+ What kind of insurance do you accept?

We currently are in-network for Aetna, Anthem Blue Cross and most commercial Blue Cross Blue Shield plans. However, we do recommend you call your Blue insurer to make sure that Dr. Hariprasad is considered in-network for your specific plan. If you are in-network for Dr. Hariprasad, we will file the claim on your behalf directly to the insurance company. Your out-of-pocket expenses (copays, coinsurance, deductible) will be dictated by your insurance plan and payable at the time of service.

If you do not have this type of insurance, you may be eligible for out-of-network reimbursement. Please call your insurance company prior to your appointment and determine your mental health service benefits. I can provide you with a specialized invoice called a superbill. You can submit a claim to the insurance company directly along with the superbill to request reimbursement. Many of our patients make use of a convenient service to help facilitate these out-of-network reimbursements -- contact us for more information.

Please call your insurance company to determine your mental health service benefits -- it will be helpful to ask them the following:

• How much does my plan cover for an out-of-network/in-network provider?
• What is my out-of-network/in-network deductible and has it been met?
• What is my out-of-network/in-network annual out-of-pocket cap?
• Do I have to have a “parity” (i.e, severe) diagnosis, to qualify for benefits?
• How many sessions per calendar year does my plan cover for a parity, or non-parity, diagnosis?
• What is the maximum coverage amount (sometimes called the “UCR,” or “usual and customary rate”) for procedure codes listed below in "billing codes"
• Is approval or a referral required from my primary care physician?
• Do I need to obtain pre-authorization?
• Are my benefits on a calendar year basis, or a plan year? If on a plan year, when does it start?

+ How do I get reimbursed by my insurance company?

Once you have paid your balance in full, submit your receipt (which shows all necessary diagnostic and procedural codes and that you have paid) along with your insurance company’s claim form (typically found on their website) to the address indicated by your insurance provider. Payment will be made according to the insurance provider’s procedures. Insurance companies will not accept claims for dates that have not been paid.

The amount they send you is based on the percentage of out-of-network coverage authorized by your plan, which may be 50-80% of the allowable rate and will vary based on the plan; this assumes that you have met your out-of-network deductible and have obtained any necessary prior authorizations. Please note that insurance plans typically do not cover time spent on your care between sessions.

We will be happy to help you estimate what your actual total costs might be and to provide guidance once you call your insurance company and obtain the information above.

+ Do you accept Health Savings Account, Flexible Savings Account, or Health Reimbursement Account (HSA/FSA/HRA) debit cards?

Yes. If you have a pre-tax account set aside for healthcare expenses, you may use the debit card that is associated with that account, or you may pay by check and submit your receipt to that account for reimbursement. If you do not have a pre-tax account established, ask your human resources department if you can set one up.

+ What is your cancellation and no-show policy?

Once we schedule your appointment, I hold that time especially for you. As a courtesy to those who are on the waiting list, please call me at least two business days before your appointment to cancel. For example, if your appointment is on Monday at 4 pm, please call me no later than the previous Thursday at 4 pm to cancel. If you do not give two business days notice, you will be responsible for the full session fee. Unfortunately, no insurance company reimburses for this. Exceptions for emergencies are handled on a case-by-case basis.

+ Why should I use an out-of-network provider?

As an out-of-network provider, the patient has the flexibility to receive the best clinical care possible without any interference from their insurance company.

Access is tailored to the patient’s needs, rather than the insurance company limiting the number of appointments, out-of-network provider appointments can last as long as needed and can be as frequent as necessary to support the unique treatment plan of an individual patient.

Appointments can be scheduled directly with Intuitive Psychiatry without waiting for a primary care physician’s referral and approval from the insurance company.

Exceptional care is taken to protect each patient’s privacy. If a patient does not seek reimbursement from the insurance company, the patient’s chart is completely confidential and will never be released without permission or legal basis.

Finally, many who do choose to seek reimbursement through the use of a specialized invoice called a superbill are pleased to find that the process is relatively simple and the benefits are higher than assumed.

+ What billing codes are used?

The following are commonly used codes to bill for psychiatric services. If you are calling your insurance company to inquire about reimbursement, note the codes in bold.

Initial diagnostic evaluation

90792 – Initial evaluation

Medication check codes

99212 – Medication check, straightforward

99213 – Medication check, low complexity

99214 – Medication check, medium complexity

99215 – Medication check, high complexity

“add-on” codes that are used in conjunction with the above medication check codes:

90833 – plus psychotherapy, 16-37 mins

90836 – plus psychotherapy, 38-52 mins

90838 – plus psychotherapy, >52 mins

Psychotherapy codes

90832 – Psychotherapy (no medication), 16-37 mins

90834 – Psychotherapy (no medication), 38-52 mins

90837 – Psychotherapy (no medication), > 52 mins

Miscellaneous codes

90885 – Records review

90887 – Communication with treatment team

90889 – Report preparation

90899 – Unlisted service