Rates and Insurance

How much will it cost to receive services?

The cost of services depends on a number of factors including your provider’s fee, frequency of services, and duration of treatment. You can receive an estimate of service costs as described below.

As of January 1, 2022, under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges.

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.

Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.

Out of Pocket Rates

Licensed Clinicians

Session Codes	Description of Service	2023 Session Fee*	Time Spent
90791	Diagnostic Evaluation/Intake	$170	55+ minutes
90837	60 Minute Therapy	$140	53+ minutes
90834	45 Minute Therapy	$120	38-52 minutes
90832	30 Minute Therapy	$100	16-37 minutes
90847	Family Therapy w/Patient Present	$150	38-52 minutes
90846	Family Therapy w/o Patient Present	$150	38-52 minutes
Non-Insurance	Description of Service	2023 Session Fee	Time Spent
10001	Relationship Therapy Intake **	$180	53+ minutes
10000	Relationship Therapy Follow-up	$150	53+ minutes
Groups/Workshops	Special events/topics	Varies	At clinician’s discretion

*If using insurance, your out-of-pocket cost will depend on your individual plan. Deductibles and copays/coinsurance will vary. If not using insurance, you will be paying the rate shown above.

**Relationship Therapy is considered an out of pocket service at HoneyB Wellness and as such is not covered by insurance.

Clinicians in Training*

Session Codes	Description of Service	2023 Session Fee	Time Spent
90791	Diagnostic Evaluation/Intake	$40-$80	55+ minutes
90837	60 Minute Therapy	$30-$70	53+ minutes
90834	45 Minute Therapy	$30-$70	38-52 minutes
90832	30 Minute Therapy	$30-$70	16-37 minutes
90847	Family Therapy w/Patient Present	$30-$70	38-52 minutes
90846	Family Therapy w/o Patient Present	$30-$70	38-52 minutes
10001	Relationship Therapy Intake	$40-$80	53+ minutes
10000	Relationship Therapy Follow-up	$30-$70	53+ minutes
Groups/Workshops	Special events/topics	Varies	At clinician’s discretion

*All fees listed are self-pay only. You cannot use your insurance for sessions with our clinicians in training.

Insurance

All of our licensed therapists are in network with BCBS and its affiliates, and many of our therapists are in network with Evernorth (previously known as Cigna). Some therapists may be in network with other insurances individually, which is indicated on their bio page. Our therapists in training (interns and practicum students) are not in network with any insurance companies.

Depending on your insurance plan, the amount owed for sessions can range from close to the full cost if you have a deductible for mental health (often ranging from $100-$117), a copay (a flat fee for the session cost, usually ranging from $10-$50 a session), or a coinsurance (a percentage of the session cost, usually ranging from $10-$50 session).

You can find EOBs (Explanation of Benefits) in your insurance member portal or by calling the member services on your insurance card.

We recommend asking the following questions to your insurance provider to help determine your benefits:

Does my health insurance plan include mental health benefits?
Do I have a deductible? If so, what is it and have I met it yet?
Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
Does my plan require a preauthorization or referral from a primary care provider in order for my services to be covered?

Copays or deductible costs should be paid within no more than a week of your session and/or before your next session, whichever comes first. This policy has some flexibility on a case by case basis that needs to be discussed with your therapist in advance.

If your chosen therapist is not in network with your insurance, you have the option of paying out of pocket without going through your insurance company at all. This means paying the full cost of the session upfront at the rates listed above.

If you have one of the plans listed below, your insurance accepts providers credentialed by the Carefirst or Cigna network, but is not actually administered by the Carefirst or Cigna. It is administered by a third-party company. We do not submit claims for third-party plans. As we are considered part of the provider network accepted by Carefirst/Cigna, you will be charged our contract rate with Cigna/Evernorth. After services are rendered and payment is received, we would be more than happy to provide you with a superbill so that you may submit claims for the therapy sessions you receive at HoneyB Wellness. We can provide these on a weekly, biweekly, monthly, or quarterly basis for you depending on how frequently you would like to submit claims. You should still be able to receive reimbursement for most or all of the session fee after your deductible has been met, but this is based on your individual plan coverage. For example, if you normally pay a 10% coinsurance to us, you should be eligible to receive reimbursement for 90% of the contract rate by your insurance plan after your payment to us. If for whatever reason HoneyB Wellness is reimbursed instead of you, we will provide an account credit and/or reimbursements within 1 week of the payment registering in our system.

Cigna Third Party Plans

Wellfleet

EHP/JHHC

Allegiance

Providence Health Plan

Healthgram

Self Insured Service Company

Loomis Company

Carefirst Third Party Plans

Carefirst administrators

Allegeant

Cancellation/Reschedule Policies and Late Cancellation/No Show Rates

We understand that sometimes things come up! If you need to cancel or reschedule your session, please give us no less than 24 hours notice. This is necessary because a time commitment is made to you and is held exclusively for you. Having advanced notice gives us the opportunity to schedule other clients in the unused time.

Should you need to reschedule with less than 24 hours notice, rescheduling your session within the week may be possible without being charged the late cancellation fee (see out of pocket rates chart for late cancellation/no show fee amounts; late cancellations and no shows are not covered by insurance). This is per your therapist’s discretion and we encourage you to discuss this with them. Many of our therapists have flexible schedules and will do our best to ensure you are given the times you need!

Payment

HoneyB Wellness requires a credit card on file before your first session. Other forms of payment may be discussed on a case by case basis. A $10.00 service charge will apply for any checks returned for any reason for special handling.

Other Questions

You are welcome to look over all HoneyB’s client policies, which will be available on our website soon. Otherwise, please contact us for any additional questions you may have. We look forward to hearing from you!