FAQ | BRICOLAGE WELLNESS

We are in-network with the following health insurance plans:

●      Blue Cross Blue Shield PPO

●      Blue Cross Blue Shield HMO (Duly and Edward Elmhurst)

●      Blue Cross Blue Shield EPO

●      Blue Choice

●      Modern Health

●      Compsych

If you would like to work with one of our clinicians but have different insurance, you are welcome to submit sessions for possible out of network reimbursement. Some insurance companies are willing to reimburse our clients a portion of the costs for each session. We can supply you with an itemized statement for each fully paid session, which you can submit along with your claim to your health insurance provider for reimbursement. There is no guarantee that the insurance provider will accept a portion or the full cost of services. You are responsible for providing payment for the rates listed above at the time of service. Contact your insurance provider to see if they accept out-of-network provider billing statements.

Reduced fee services are available on a limited basis upon request. Fees vary by provider and are based on client need.

All payment is due in full at the time of service. We accept personal checks, company flexible spending account or health savings account debit cards, (FSA & HSA) and major credit cards (i.e., MasterCard, Discover, AMEX, & VISA). All clients must have a current credit card on file and payment will be processed within 24 hours of your session. Please note, there is a $50 fee for any returned checks.

Office hours vary by location. Appointments are offered during the day, evening, and weekends. It is important to us to do our best to accommodate our clients’ busy schedules.

To best support our clients, we offer sessions via a HIPAA - compliant telehealth platform. We find telehealth to be especially useful and clinically appropriate for many clients. Some client for whom we use telehealth sessions include, but are not limited to:

• Early postpartum moms
• College students
• Professionals traveling for work
• Clients with anxiety benefiting from exposure work in-vivo
• Meal support

We ask that you give us at least 24 hours notice when cancelling or rescheduling an appointment or you are subject to a cancellation or “no show” fee.

Notification of Federal Protections against Surprise Billing

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. If you are a self-pay client, defined as someone who will not be billing insurance through us and/or submitting a claim through their OON insurance company, Bricolage Wellness shall provide you a Good Faith Estimate in writing prior to your session, and will additionally provide upon request. If you receive a bill that is substantially higher (more than $400) than estimated on your Good Faith Estimate, you can dispute the bill. It is a good idea to save a copy of your Good Faith Estimate.

For questions or more information about your right to a Good Faith Estimate, visit: www.cms.gov/nosurprises

If you have an insurance plan for which we are not in network and choose to work with us, getting care from this provider or facility could cost you more than if you went to an in-network provider.

If your insurance plan covers the item or service you are getting, federal law protects you from higher bills when you get emergency care from out-of-network providers and facilities or when an out-of-network provider treats you at an in-network hospital or ambulatory surgical center without your knowledge or consent. Ask your healthcare provider or patient advocate if you need help knowing if these protections apply to you.

According to federal regulations, a waiver can be signed to pay the full fees, which may be more than your in-network benefits, which may mean you have given up your protections under the law. You may owe the full costs billed for items and services received. Your health plan might not count any of the amount you pay toward your deductible and out-of-pocket limit. Contact your health plan for more information regarding your out of network benefits.

You should not sign any waivers if you did not have a choice of providers when receiving care. For example, a doctor was assigned to you with no opportunity to make a change (or without choice). Before deciding whether to sign a waiver, you can contact your health plan to find an in-network provider or facility. If there isn't one, your health plan might work out an agreement with a provider or facility.

Your Rights and Protections Against Surprise Medical Bills

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a healthcare facility that isn't in your health plan's network.

"Out-of-network" describes providers and facilities that haven't signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay (in network rate) and the full amount charged (private fee) for a service. This is called "balance billing." This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.

"Surprise billing" is an unexpected balance bill. This can happen when you can't control who is involved in your care - like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.

Emergency services

If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in network cost-sharing amount (such as copayments, deductible, and coinsurance). You can't be balance billed for these emergency services. This includes services you may get after you're in stable condition, unless you give written consent and give up your protections not to be balance filed for these post-stabilization services.

Certain services at an in-network hospital or ambulatory surgical center

When you get services from an in-network hospital or ambulatory surgical center, certain providers may be out-of-network. In these cases, the most these providers may bill you is your plan's in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can't balance bill you and may not ask you to give up your protections not to be balance billed.

If you get other services at these in-network facilities, out-of-network providers can't balance bill you, unless you give written consent and give up your protections.

You are never required to give up your protections from balance billing. You also aren't required to get out-of-network care. You can choose a provider or facility in your plan's network.

You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.  Your health plan generally must:

●      Cover emergency services without requiring you to get approval for services in advance (prior authorization),

●      Cover emergency services by out-of-network providers,

●      Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits,

●      Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.

For more information about your rights under federal law, visit: https://www.cms.gov/nosurprises/consumer-protections/Payment-disagreements

Not at all. People who ask for help know when they need it and have the courage to reach out. Everyone needs help now and then. In our work together, we’ll help you explore and identify your strengths and how to implement them to reduce the influence of the problems you are facing.

The difference is between someone who can do something and someone who has the training and experience to do that same thing professionally. A mental health professional can help you approach your situation in a new way– teach you new skills, gain different perspectives, listen to you without judgment or expectations, and help you listen to yourself. Furthermore, counseling is completely confidential. You won’t have to worry about others “knowing my business.”

Medication can be effective but it alone cannot solve all issues. Sometimes medication is needed in conjunction with counseling. Our work together is designed to explore and unpack the problems you are experiencing and expand on your strengths that can help you accomplish your personal goals.

Because each person has different issues and goals for counseling, it will be different depending on the individual. We tailor our therapeutic services to your specific needs.

Unfortunately, this is not possible to say in a general FAQs page. Everyone’s circumstances are unique to them and the length of time counseling can take to allow you to accomplish your goals depends on your desire for personal development, your commitment, and the factors that are driving you to seek counseling in the first place.

We are so glad you are dedicated to getting the most out of your sessions. Your active participation and dedication will be crucial to your success.

Please contact us for any additional questions you may have. We look forward to hearing from you!