Fees & Payment Information

Our clinic is private pay, which means that we are out of network for insurance. However, at Be Well Kentucky, we take steps to make our care accessible to all. 

When you pay out-of-pocket, your mental health records and diagnoses remain between you and your provider, without being shared with insurance companies or data repositories like the Medical Information Bureau (MIB Group, a membership organization used by over 500 insurance companies in the U.S. and Canada to share health information). For this reason, many people find private pay routes helpful.

Reimbursify & Statements

Be Well Kentucky uses Reimbursify, which is a free smartphone app that helps you file reimbursement claims in less than one minute!

• To get started, download the app, tap SIGN UP and it will walk you through a short registration where you’ll enter your information and a picture of your insurance card. We can also file claims for you, our reception team can provide more information upon request.
• If you do not want to use Reimbursify, we are also able to provide our patients with statements, or superbills, with all of the necessary information needed to submit to your insurance to request partial reimbursement.
• WE CANNOT GUARANTEE REIMBURSEMENT

Reduced Fee Application 

Our team uses the federal poverty scale to determine whether or not you might qualify for a reduced rate with your provider.

• In your application, you will be prompted to provide information like recent bank statements, pay stubs, last year’s W-2 and/or tax return.

Once your application is received, our team will reach out to let you know what fee you qualify for. Email reception@bewellkentucky.com for the application.

Frequently Asked Questions About Payment:

1. CAN I USE MY HEALTH SAVINGS ACCOUNT (HSA) OR FLEXIBLE SPENDING ACCOUNT (FSA) TO PAY FOR MY VISITS?

We urge you to verify this with your insurance plan provider. Many of our clients use their HSA or FSA to pay for their sessions. This is an excellent option for paying for treatment as FSA and HSA accounts are tax-advantaged. To learn more: http://www.irs.gov/publications/p969/ar02.html

2. WHAT IS AN “ALLOWABLE RATE”?

This varies by plan, but broadly speaking it is an amount set by your insurance provider relative to the type of provider by whom you are being treated. For example, the allowable rate for a psychologist might be $50, 70, or another amount for a 45-minute session. Note that in some cases, the allowable rate may be lower than the rate we bill.

3. WHAT DO I NEED TO ASK WHEN I CALL MY INSURANCE PROVIDER?

The questions you should ask include:

• What’s my Out-of-Network deductible? (Dollar amount.)
• Must my Out-of-Network deductible be met before benefits apply? (Yes/No.)
• What is the reimbursement rate for outpatient psychotherapy? (Percentage.)
• Is preauthorization required for 60 or 90-minute psychotherapy sessions? (Yes/No.)
• What paperwork do I need to start a reimbursement claim, and where do I send it?
• Is preauthorization required for psychotherapy testing? (Yes/No.)

4. MY INSURANCE COMPANY SAID MY PLAN REQUIRES PRE-AUTHORIZATION OR PRE-CERTIFICATION. CAN YOUR OFFICE DO THAT FOR ME?

Yes. Because pre-authorization must be done by the provider, we are happy to complete the necessary paperwork. Please remit all materials to be completed to our reception team to be completed by our clinical staff at least 48 hours in advance of your first appointment.

5. I WILL NEED AN ITEMIZED STATEMENT TO SEND THEM FOR A REIMBURSEMENT CLAIM. WILL YOU PROVIDE THAT?

Yes. We are happy to provide this type of statement upon your request in hard copy or electronic format.

*Lower cost options are available for clients without insurance or who cannot get insurance reimbursement. Call to inquire.