CareFirst BlueCross BlueShield Insurance
Navis accepts CareFirst BlueCross BlueShield Insurance. Services may be covered in full or in part by your health insurance. Fees such as deductibles, co-payments and costs for uncovered services may be possible.
Interested in knowing your First BlueCross BlueShield coverage? You will need three things: the providers National Provider Identifier (NPI), their full name and the procedure code (also known as CPT code). Each practitioner has their full name and NPI number listed on the ‘Therapists‘ section of this website. The procedure code for an hour of therapy is 90837. You may call your insurer and provide these details. The uncovered costs are what you will be responsible for paying. Please verify your deductible for it will have to be met before insurance reimbursement begins.
At Navis we find that 70% of clients have some form of a co-payment from $10 to $50 per session. Around 20% of clients have no co-payment or deductible. The remainder 10% of clients have a deductible to meet before their insurance provides reimbursement. This means the client would have to pay the full session fee until their annual deductible is met.
Other Insurances
For insurances other than CareFirst BlueCross BlueShield, a client pays for the session out-of-pocket. An invoice is provided to you (known as a ‘SuperBill’ to your insurance company). After direct payment to Navis Counseling Services, you may submit this invoice to your insurance company if you choose to do so. If the service is covered, the insurance company will reimburse you directly. To learn how to file a claim, review ‘How to File a Claim‘
Questions to consider talking to your insurance provider about coverage:
- Do I have mental health insurance benefits?
- What is my deductible and has it been met?
- How many sessions per year does my health insurance cover?
- What is my co-payment per therapy session?
- Is pre-approval required from my primary care physician?
- Will my insurance cover a therapist with the NPI# XXXXXXXXXX (each therapist has their NPI# listed in the ‘Therapists‘ section)?
No Insurance
If a client does not have insurance or chooses not to use their insurance, the cost per-session is $180
Payment
A credit card will be collected during intake. This card will be charged for any co-payments, deductibles or services not covered by your insurance.
Cancellation Policy
If you cancel your scheduled therapy appointment on the same day, you will be charged a $45 fee.
Contact
Questions? Please contact Navis for further information.