Using Insurance for Therapy Services
Utilizing insurance benefits for mental and behavioral health services is increasingly challenging. Many agencies have moved to a private-pay model, as insurance companies have placed greater restrictions on coverage, increased administrative burdens, and limited reimbursement rates. At Horizon Therapy and Assessment Services, we remain committed to supporting clients in utilizing their insurance benefits whenever possible.
It is important to understand that insurance is a contract between you and your insurance company. While we will make reasonable efforts to assist with verifying benefits, obtaining authorizations, and submitting claims, it is ultimately your responsibility to understand your specific insurance coverage, including but not limited to co-pays, deductibles, out-of-network benefits, preauthorization requirements, and service limitations. Clients are financially responsible for all services rendered, including those not covered or denied by their insurance.
We are committed to working alongside you to help you navigate the insurance process, which we recognize can sometimes feel overwhelming. To support you, we provide prospective clients with the information needed to make contacting your insurance company as straightforward as possible. We encourage all clients to take an active role in confirming their coverage details and staying informed about any changes that could affect their care.
Our administrative team is available to answer your questions and to assist with insurance-related matters within the scope of what we are able to provide. We view this as a collaborative process and are here to help you feel informed and empowered in managing your care.
Using Insurance for Psychological Testing
Using insurance benefits for psychological testing services presents unique challenges beyond those encountered with therapy services. Psychological testing involves complex CPT coding, multiple stages of service including intake, test administration, scoring, interpretation, and feedback, and strict insurance company guidelines that often do not align with best clinical practices or client needs. Insurance companies typically favor brief, limited evaluations that may not provide the depth of understanding or comprehensive recommendations that clients seek.
Because of these increasing complexities, and due to stagnant reimbursement rates that no longer reflect the time, expertise, and material costs involved in testing, we assess a $50 administrative fee for all psychological testing clients. This fee helps offset the cost of necessary administrative tasks such as preauthorizations, billing management, insurance communications, and the purchase of updated, standardized testing materials required to maintain the quality of our evaluations.
While many agencies have chosen to move away from working with insurance altogether due to these challenges, we are committed to maintaining access to high-quality testing services for as many clients as possible. We continue to work within the insurance system to make psychological testing more accessible, while balancing the need to sustain the level of service, care, and thoroughness that our clients deserve.
We are committed to helping you maximize your insurance benefits whenever possible, and we are happy to work with you to determine the best approach for your testing needs. For some clients, a standard battery covered by insurance may be sufficient to answer diagnostic questions, such as evaluations for ADHD. However, for more complex concerns or when a deeper, more nuanced understanding is needed, it can be difficult to address all areas of concern within the limitations imposed by insurance companies. In these situations, we encourage clients to thoughtfully consider our private pay options, which allow for greater flexibility, a fully individualized assessment process, and a more comprehensive evaluation designed around your specific needs, rather than insurance company requirements.
Our goal is to provide testing services that are truly responsive to your questions and concerns, not just what your insurance company deems "necessary." We are happy to discuss the differences between insurance-based and private pay evaluations and help you make the decision that best fits your needs.
Accepted Insurance Plans
We have immediate openings for anyone with the following coverage:
Aetna
Meritain
Cigna
Some providers are also in-network with the following plans:
United Healthcare
UMR
MO Healthnet
United Healthcare Community Plan
Medicare