FAQs

If you have any questions or concerns about what you owe, or if you believe you have been charged incorrectly, please send us a message on our contact page. You can also access your invoices through the Simple Practice or Headway portals.

Moonstone Counseling uses Simple Practice as a client portal for scheduling, submitting insurance claims for Medicare and BCBS clients, and for all practice paperwork. All clients will use Simple Practice for establishing care with Moonstone.

For clients who have Aetna, Oscar, United, Optum or Cigna, we partner with Headway so that we can bill these insurances as in-network. All Headway clients will be charged through Headway, complete consent forms, and must update insurance changes through the Headway portal.

Sessions may be billed on or after the day of your session, depending on when they are submitted by the clinician. Headway sessions are typically charged a couple of days after your session. If you have any questions about what a charge is for, just ask. No-show or late cancellation fees may also be charged after the date of the missed session.

Moonstone Counseling's late cancellation and no-show policy states that cancellation with less than 24 hours notice will be charged at a rate of $150. The late cancellation fee is standard for therapy sessions and is not meant to be punitive, but is to ensure your therapist is compensated for the time that they devoted to you and the slot which was held specifically for you in their schedule. Your therapist may be able to work with you in rescheduling your appointment during the week of the cancellation as their schedule allows.

If you need to add a new credit card on file, let your therapist know and they will send you a link in Simple Practice to update your card in the portal.

For Headway clients, you can log-in to your Headway portal and update it any time.

When a therapist provides mental health services to a patient who has insurance coverage, the therapist can receive payment for their services from the insurance company.

The process for payment can vary depending on the insurance company and the therapist's agreement with the insurance company. In many cases, the therapist will be considered an in-network provider for the insurance company, which means they have agreed to a contracted rate for their services. When the therapist provides a session, they submit a claim to the insurance company for payment, typically using a billing code that corresponds to the type of service provided.

Once the claim is received by the insurance company, it is reviewed to ensure that it meets the requirements for coverage. If the claim is approved, the insurance company will typically pay the therapist directly for the services provided, based on the contracted rate. The patient may be responsible for a copayment or coinsurance, depending on the details of their insurance policy.

If the therapist is an out-of-network provider, the process may be different. In this case, the therapist may require payment at the time of service, and the patient may be responsible for submitting a claim to their insurance company for reimbursement.

It's important to note that not all insurance policies cover mental health services, and even when they do, coverage can vary widely depending on the policy. If you have questions about how your insurance policy covers mental health services, it's best to check with your insurance provider or review your policy documents.

As a courtesy, Moonstone will verify benefits for you, give you a cost estimate and let you know if we are in-network prior to starting therapy services.

Please be advised that while we make every effort to verify your insurance benefits prior to your appointment, the information we receive from your insurance company may not always be accurate. We strongly recommend that you review your insurance policy details directly with your insurance provider to ensure that you fully understand your benefits and coverage. It is your responsibility to confirm your insurance benefits and to provide accurate and up-to-date information about your insurance coverage. Any discrepancies in your coverage are your responsibility and may result in additional charges or denials of coverage. We cannot guarantee the accuracy of insurance benefit information and are not responsible for any discrepancies or errors in the information provided.

An insurance deductible is the amount of money you are responsible for paying before your insurance policy begins covering your expenses. It is typically an annual amount that resets at the beginning of each policy year.

Here's an example: Let's say you have a health insurance policy with a $1,000 deductible. You receive medical treatment that costs $2,500. You would be responsible for paying the first $1,000 of that bill, and your insurance would cover the remaining $1,500.

Once you have paid your deductible for the year, your insurance policy will begin covering your expenses according to the terms of your policy. However, keep in mind that you may still be responsible for copayments, coinsurance, or other out-of-pocket expenses, depending on the details of your policy.

It's also important to note that not all healthcare expenses may count towards your deductible. Some insurance policies may only cover certain types of expenses or treatments, and others may require you to use in-network providers in order to receive coverage.

If you have questions about your insurance policy or how your deductible works, it's best to check with your insurance provider or review your policy documents. They can provide you with more detailed information about how your insurance works and what expenses may be covered.

An insurance out-of-pocket expense is the amount of money you are responsible for paying for covered healthcare services before your insurance policy begins paying for 100% of the costs. It includes deductibles, coinsurance, and copayments, as well as any expenses for services that are not covered by your insurance policy.

Once you reach your out-of-pocket maximum for the year, your insurance policy will typically cover 100% of your eligible healthcare expenses for the remainder of the policy year.

Here's an example: Let's say you have a health insurance policy with a $2,000 deductible, a 20% coinsurance rate, and a $6,000 out-of-pocket maximum. You receive medical treatment that costs $10,000. You would be responsible for paying the first $2,000 of that bill (your deductible), and 20% of the remaining $8,000 ($1,600 coinsurance), for a total of $3,600 out-of-pocket expenses. Once you have reached your out-of-pocket maximum of $6,000 for the year, your insurance policy will cover 100% of any eligible healthcare expenses for the rest of the year.

It's important to note that not all healthcare expenses may count towards your out-of-pocket maximum. Some insurance policies may only cover certain types of expenses or treatments, and others may require you to use in-network providers in order to receive coverage.

If you have questions about your insurance policy or how your out-of-pocket expenses work, it's best to check with your insurance provider or review your policy documents. They can provide you with more detailed information about how your insurance works and what expenses may be covered.