Financial Policy
FINANCIAL POLICY
There are three payment tracks through which you can receive services through Savant Care. At the end of this form, you will be asked to choose your preferred payment track.
A. INSURANCE TRACK
The psychiatrists at Savant Care (SC) are currently contracted with various insurance companies. There are sometimes exceptions to coverage. Each insurance plan has different benefits for you as well as different financial obligations. Not all insurance policies cover all services and/or manners of providing services such as telepsychiatry. If you are a member of an insurance plan and are interested in utilizing your coverage for mental health treatment, it is very important that you find out exactly what mental health services your particular policy covers. It is ultimately your responsibility to check with your insurance company to determine covered benefits.
Before you engage SC for telepsychiatry services, it is especially important to confirm that telepsychiatry sessions are covered by your particular plan as some plans cover psychiatry in general but do not cover telepsychiatry. You should carefully read the section in your insurance coverage booklet that describes mental health services. If you have questions about the coverage, call your plan administrator. Our staff will provide you with assistance in receiving the benefits to which you are entitled; however you (not your insurance company) are responsible for full payment of your bill in the event insurance does not pay for any reason. If your coverage changes, it is your responsibility to notify your clinician and to comply with your new policy. In-Network participation by SC and its clinicians are subject to change without notice.
Once Savant Care has all of the information about your insurance coverage, your Savant Care clinician will discuss what you can expect to accomplish with the benefits that are available and will support you before you feel ready to end your treatment. It is important to remember that you always have the right to pay for services out of pocket to avoid the potential issues described above (unless this is prohibited by your insurance contract).
You should be aware that your insurance company requires a clinical diagnosis and information about the services provided to you. Sometimes, your clinician must provide additional clinical information such as treatment plans or summaries, or copies of your entire clinical record. In such situations, every effort will be made to release only the minimum information about you that is necessary for the purpose requested. This information will become part of the insurance company's records. Though all insurance companies claim to keep such information confidential, we have no control over what they do with it once it is in their hands.
It is our policy to charge on a prorated basis for other professional services such as extended telephone consultations, report writing, meeting attendance, disability or other paperwork, letter writing and preparation of treatment summaries. You are responsible for any charges not covered by your insurance carrier including any co-payments required by your policy.
IT IS IMPORTANT TO CONTACT OUR OFFICE IMMEDIATELY FOR ANY CHANGES TO YOUR INSURANCE. FAILURE TO ADVISE OF NEW INSURANCE OR POLICIES MAY LEAD YOUR CLAIM TO BE DENIED BY YOUR INSURANCE, AND SAVANT CARE'S OUT-OF-POCKET RATES WILL BECOME APPLICABLE.
B. OUT-OF-POCKET TRACK
B.1 OUT-OF-POCKET TRACK for appointments with a psychiatrist:
Encounter Type | Description | Fee |
---|---|---|
60-minute appointment | Either an initial appt aimed at gathering historical data about your treatment and life or an hour long session with therapy and medication management. | $500 per session for patients ages 18 and older $600 per session for patients ages 0-17 |
30-minute appointment | 15-20 minutes face-to-face, 10 minutes for documentation and other management tasks by the clinician | $250 for patients ages 18 and older $300 for patients ages 0-17 |
Other | Telephone calls with clinician and email communications with clinician requiring significant amounts of time will be treated as consultation with the clinician and will be charged as such. • Coordination of care on behalf of patient requiring significant amount of time may incur an extra fee • Disability documentation and other extraneous documentation will incur an extra fee. | $500 per hour |
B.2 OUT-OF-POCKET Track for appointments with a mental health professional (Psychologists / Psychotherapists)
- $300/hr. for doctoral level psychologists
- $250/hr. for Master level psychotherapists.
* We also offer discounted rates at $200/hr. for psychologists and $150/hr. for Master level psychotherapists.
Insurers may only partially cover our fees; contact your insurer for details on your out-of-network coverage. You should be aware that, in order for you to obtain reimbursement, your insurance company requires a clinical diagnosis and information about the services provided to you. Sometimes, your physician must provide additional clinical information such as treatment plans or summaries, or copies of your entire Clinical Record. In such situations, every effort will be made to release only the minimum information about you that is necessary for the purpose requested. This information will become part of the insurance company's records. Though all insurance companies claim to keep such information confidential, we have no control over what they do with it once it is in their hands.
B3. OUT-OF-POCKET Track for appointments with a mental health professional (Nurse Practitioners)
We are charging $150 per appointment(OOP), providers should be licensed in that state.
C. ALL TRACKS Cancellation Policies
Please be mindful of our scheduling. If you arrive too late to allow time for proper care, you may be asked to reschedule. Missed appointments and late arrivals prevent you from receiving required care and prevent the doctor from providing that care. It also prevents another person from receiving care during that time. As a result, you will be financially responsible for the appointment as stated in the tables above.
ONLY for documented emergency situations may this charge be waived or reduced at our sole discretion.
Note: Insurance does NOT cover missed appointments or late cancellations.
Cancellation fees apply to both Insurance and Out of Pocket tracks.
You will be charged $75 within 3 business days of your appointment, if you do not cancel before 24 working hours (Excluding weekends or holidays) of your appointment.
Note: For an appointment booked within 24 hours, you're automatically subjected to the above cancellation policy.
D. Payment Methods:
Bank ACH (direct deposit) as this proves to be the lowest cost solution for patients. Credit Cards and Debit Cards are accepted, but any fees charged by your credit card company will be passed on to you. As of August 1st, 2016, the fee is 3%. CHECKS and CASH are accepted, but are not preferred. If check or cash is provided for payment, a $50 paper check/cash handling fee applies for each check or cash transaction.
All charges to Credit/Debit Cards and ACH are performed within 3 business days of your appointment. All payments made will first be applied to any prior unpaid balances before current charges.
By providing your details and signing this policy below, you are authorizing Savant Care to charge your account details provided and agree to pay all applicable charges outstanding on your patient account.
E. OTHER:
Savant Care may offer treatment at discounted rates if you provide proof of financial need. Please submit your requests to Savant Care's finance team. NOTE: OUR INDIVIDUAL CLINICIANS DO NOT HAVE AUTHORITY TO GRANT DISCOUNTS NOR 'NEGOTIATE' LOWER RATES WITH PATIENTS.
Savant Care and its clinicians DO NOT accept or participate in MEDI-CAL or MEDICAID programs. If you have this as secondary insurance, you will be solely responsible for all charges not paid or covered by your primary insurance.
Savant Care is not liable or responsible for any disputes or issues you may have with your insurer concerning your plan's deductible, coinsurance, or out-of-pocket limits. It is the patient's responsibility to contact their insurance for inquiries or concerns related to their applicable benefits.
Note that if you are having difficulties paying your balance, or feel we may have billed you in error, please contact our office for resolution before initiating action with your financial institution. Failure to notify our office for resolution before initiating a dispute or chargeback will result in a fee of $50 for each occurrence.