What insurance do you accept?
Most of our therapists accept BlueCross BlueShield PPO.* We are NOT in network with BCBS HMO. If you are unsure whether your plan is PPO or HMO, please contact your insurance provider.
*Some of our clinicians are not paneled with BCBS. We will notify you if this is the case for the recommended provider. (See question below for information regarding out-of-network reimbursement.)
I do not have BCBS PPO; can you bill my insurance provider for reimbursement on my behalf?
We do not submit claims to any out of network providers. If you are out of network, you will automatically receive monthly invoices that are called “super bills,” which include all of the necessary coding and clinical information required for potential insurance reimbursement. You are responsible for sending the super bills to your insurance provider. We strongly encourage you to check with your insurance provider prior to treatment, as not all plans cover out of network providers.
Can I use my HSA or FSA credit card to pay for sessions?
As long as the qualifying medical expense was made after the establishment of your HSA/FSA, you can use your HSA/FSA debit card to pay for copays/deductibles and private pay sessions. Alternatively, you can pay yourself back from your HSA/FSA account for out-of-pocket costs. We provide superbills to submit to HSA/FSA for reimbursement. TMB does require you to have a backup card on file in case you do not have the funds to cover your out of pocket expenses on your HSA card.
How long are sessions?
Standard therapy sessions are 45-50 minutes in length. Sessions may be shorter or longer depending on a number of circumstances. In the event a crisis arises or more time is required for any reason, extra time will be billed at the clinician’s prorated fee (for private pay clients) or there may be an additional copay depending on your plan (for BCBSIL PPO clients).
Will I be charged for phone calls between sessions or parent check-in calls?
Short answer: yes, with some exceptions. At TMB, our core value is collaboration and we aim to incorporate families into the treatment plan of children and adolescents to the greatest extent possible. It is typical for our clinicians to involve parents of young children in the therapeutic process by inviting them to join for part or all of the session(s), or to utilize a portion of the client’s session time(s) for a private parent consultation. When family collaboration is required outside of scheduled session times and your clinician spends time assisting you and/or your child, you will be charged for their time. You can expect one complimentary 10-15 minute follow-up phone call within the first 2-4 sessions, as well as infrequent 10 minute consultations throughout the course of treatment. If consultations are required in higher frequency and/or longer duration, you will be charged for your phone consultations. Some clients prefer to schedule sporadic or consistent parent sessions (in person or via telehealth) for additional support.
How much will I be charged for phone calls?
Private Pay Clients: you will be billed at your clinician’s prorated rate per minute.
BCBS PPO Clients: parent consultations are billed under the codes 90846 or 90832 depending on length of call, and you may be responsible for a copay. Please note that you will be responsible for the entire BCBS PPO contracted session rate in the event you have not met your annual deductible. Please contact your insurance provider to learn about your specific plan.