We will assist in all matters with insurance.
We wish we could offer therapy for free. The reality is that our staff is highly trained and dedicated to you getting better. Insurance is dedicated to saving their money. Luckily insurance companies are slowly paying attention and we have found a few ways to help you make the best of your benefits.
All fees are commensurate with the high level of expertise (PhD, LCSW, CEDS, etc.) and specialist requirements. We are one of the only group practices in New Jersey that focuses on Eating Disorder Recovery, Trauma and Anxiety Disorders. We strive to make sure you receive modern and up to date support as the goal to help you feel progress is made week to week is achieved. Pride in our work and being of service throughout your time in our practice is the goal . Our therapists are highly trained and conscientious experts. With expertise and advanced certifications not only in a relationship with food but also cooccurring experiences such as Anxiety, PTSD, OCD, and Depression we have to utilize quality care without interruption.
We are Out Of Network
(There are multiple ways to reduce the cost!)
There are multiple ways you can use your benefits and we are believers in quality care. We can help you find ways to effectively use your insurance as we do bill to your out of network benefits – it provides more allowance for proper treatment as we are able to focus on you and prevents constant long calls that incude judgement from someone who doesn’t know you, privacy concerns, and the ability to offer you care that is in line with your needs, not theirs.
Option #1: Pay just the deductible and copay and we collect the payments from your insurance.
Out of network benefits can cover a good portion of the cost of insurance – up to 90%! Once the claims are processed your insurance reimburses you the amount they cover and you or Hilltop receives payment in the mail. If you have any questions about using insurance at Hilltop Behavioral Health please feel free to call or email us.
Questions you should ask your insurance company
- Does my plan cover psychotherapy sessions?
- Does my plan cover out of network services?
- Is there a deductible I have to meet?
- Do I have a copay?
- What is the coinsurance? How much of the does the coinsurance cover?
- Is there a maximum amount per session the insurance will cover for an out of network provider?
- How much time do I have to file a claim for out of network services?
- What is the process to get reimbursed for out of network services?
Option #2: WE CAN BE CONSIDERED IN NETWORK!
The Single Case Agreement
Many New Jersey Insurance Networks do not have specialists trained in modern and highly responsive therapeutic interventions. These include FBT, CPT, CBT and the framework and skills associated with Eating Disorder care including it’s management and prevention. Some insurance will allow coverage on a case-by-case basis. There is a good chance they will reimburse you at the “in-network rate” often called a “single case agreement.”
A formal request for using this benefit should be available from your insurance company. You just need to ask them. This requires you to determine that a fully trained Eating Disorder Specialist, certified by the governing board (IAEDP) is unavailable in your area. Please note that many clinicians who claim to be eating disorder specialists do not have the intensive training and certifications. They may employ mixed ideas and techniques, including some basic eating disorder knowledge yet lack the formal experience which is necessary for such a complex need. Most insurers do not verify credentials or specialties. They just check state licensure.
OPTION #3: “Flex” Insurance Benefits
Most insurance companies have different pools of benefits. If you do not need therapy at a hospital (also known as inpatient) can request your insurance plan “flex” your inpatient benefit to pay for outpatient treatment. For example: You may have 30 days of unused inpatient benefits and no more outpatient benefits. It is possible that your insurance company will count each day of inpatient benefit as 3 days of outpatient treatment. PLEASE REMEMBER: All insurance companies are different. There is no standard. You must ask about each specific benefit
What are the fees?
Please contact us for further information and to schedule a discussion. As a specialist, we are in line with the current trends in cost throughout our tristate area.