Financial Policies
Third Party Payments:
If your insurance plan requires pre-certification for mental health services, you must obtain an initial referral from your insurance company, prior to the first appointment, to avoid additional fees. Our administrative office will assist in verifying insurance coverage and submitting claims on your behalf. We cannot guarantee that the information given by your insurance provider is accurate. You are responsible for paying any claims that are rejected due to your failure to provide correct information to us in a timely manner. People to People cannot take any financial responsibility or assume any loss due to your unfamiliarity with your insurance coverage and/or policy.
Payment Policy & Fee Schedule:
You will be expected to pay for each session at the time you check in for your appointment. We accept most private health insurance plans, Medicare and Medicaid plans, as well as cash, personal checks, and credit card. A $2.50 service fee will be applied each time your credit card is charged. It is our policy, at the start of each insurance plan’s fiscal year, to collect the full amount billable for your visit at the time of your visit until your deductible has been met.
However, no one will be denied access to services due to their inability to pay. For those with no mental health insurance coverage, a discounted/sliding fee schedule is available based on family size and income. Clients must complete paperwork and submit supporting documentation in order to qualify for the fee schedule program. Review of submitted paperwork will not be completed until the necessary support documentation is received. Discounted/sliding fee approval and rates will be determined by the clinical director.
People to People is very willing to work with clients to meet their financial obligations related to their counseling services. However, without a plan in place, outstanding payments that exceed ninety (90) days past due will be sent to collections. Pertinent information will be provided to the collection agency to recover payments due. You may pay by cash, check, or credit card. Checks are to be made out to People to People. You will be held responsible for any and all fees not paid for by your insurance and indicated as patient responsibility.
No Surprises Act:
The No Surprises Act (NSA) prohibits surprise billing for many out-of-network healthcare services, including most emergency situations. However, there will still be situations where clients will not be protected.
When Are Clients Protected
Protections for clients include these types of services:
1. Out-of-network emergency care at an emergency facility
2. Out-of-network care at an in-network facility
What the No Surprises Act Means for Clients
The No Surprises Act provides protections for clients who receive health care benefits from their employers or who are enrolled in individual health plans. For services that fall into these protected categories, providers will not be allowed to bill you for amounts higher than what you would pay from an in-network provider. Any out-of-network care costs in these types of situations will be applied to your in-network deductible and your out-of-pocket max.
What the No Surprises Act Does Not Cover
In general, if a client chooses to receive care out-of-network, The No Surprises Act will not apply.
So, if you choose to see a counselor who is not in-network, The No Surprises Act and its protections will not apply, and you may face much higher costs than your health plan’s in-network rate.
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