Billing and insurance
Private Pay/Out of Pocket Billing
Celestial Light Counseling & Wellness PLLC is Self Pay/Out of Pocket only. Payments are processed through Ivy Pay in full at the time of service. At your first appointment the invoice is sent directly to you via text. You will put a card on file which will be charged at each appointment. You will receive a confirmation from Ivy Pay via text every time your card is charged. You have the ability to change the card you have on file at any time. You may use any credit, debit, or HSA/FSA card to pay your invoice.
How to Use Your Insurance for Sessions
First and foremost, I do not bill insurance. I do not contract with any insurance providers and do not plan to become paneled with insurance companies in the future. However, you still have some options if you want to use your insurance for our sessions via superbilling.
What is Superbilling?
Superbilling is when you pay for services out of pocket and then seek reimbursement from your insurance company. You can only use superbilling and get reimbursed if your insurance has out of network coverage and specifically offers out of network reimbursement. You need to check with your insurance plan to confirm this before moving forward with scheduling and getting services. Most clinicians offer a monthly superbill so that means paying out of pocket for a months worth of sessions and then getting a superbill and submitting a claim to your insurance once a month to get reimbursed for the previous months worth of sessions. Please note, reimbursement rates for out of network billing are specific to your insurance plan. Know the percentage of reimbursement you should be expecting before going this route since it may be different from the amount your insurance would cover for an in network provider. Look into the process of submitting claims to your specific insurance so you know what to expect and how to seek reimbursement. If this is a service your insurance offers it is a great way to increase your options for seeking care. A large portion of private pay clinicians will offer superbilling as an option.
Option #1: Independent Superbilling
As described above, I can provide a monthly superbill for those who want to seek out of network reimbursement with their insurance. Doing this independently directly with your insurance company usually does not come with any processing fees but you will have to do the leg work with contacting your insurance, verifying out of network coverage, and submitting superbills for reimbursement.
Using Thrizer for Out of Network Billing
Option #2: Thrizer Superbill Upload
If you don't want to verify your out of network benefits or figure out the process of submitting superbills; Thrizer offers a Superbill Upload option for clients. Thrizer will check your out of network benefits and if you have coverage you can upload your monthly superbills to Thrizer and they will submit the superbills on your behalf to your insurance company and you will receive reimbursement directly to your bank account in a few weeks.
Link to Thrizer: https://www.thrizer.com/for-clients
Here is the link explaining this process: https://www.thrizer.com/help-center/superbill-upload
Here is the pricing link explaining cost of each of these services: https://www.thrizer.com/pricing
Option #3: Automatically Submit Claims via Thrizer
If processing superbills feels overwhelming to you, you have the option of being billed directly through Thrizer. Upon my adding you as a client, Thrizer will check your benefits and estimated copay, after each appointment I will bill you through Thrizer and they will automatically submit out-of-network claims for you, taking away the need for you to submit superbills.
When I charge you via Thrizer’s payment platform, you can pay a copay for your session instead of paying my full rate and waiting for reimbursement, Thrizer will wait for reimbursement on your behalf. If you are working towards a deductible, it'll get applied towards that first. Post-deductible, you pay what you owe and Thrizer floats the rest until they are reimbursed by your insurance company. Alternatively, you can receive reimbursements via direct deposit as soon as a claim is approved.
Please check out their website for further explanation on how it works: https://www.thrizer.com/for-clients (be sure to toggle from "Thrizer superbill uploads" to "Thrizer payments" under the "Want to skip superbills altogether?" headline for the animation to visually explain the process when not submitting superbills.
Link for pricing information: https://www.thrizer.com/pricing