Insurance & Rates
If you are in-network with us we bill your insurance directly. If you are out-of-network, you can choose to do private pay and may be eligible for sliding scale discounted rates.
Insurance
In-Network
Blue Cross Blue Shield
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Ucare
Medical Assistance
Lakeshore Family Therapy is currently in-network with Blue Cross Blue Shield, Ucare, and Medical Assistance.
What does in-network mean?
In-network means that a health care provider, like Lakeshore Family Therapy, has a contract with your insurance plan to provide health care services to its plan members at a pre-negotiated rate.
What does out-of-network mean?
Out-of-network means that a health care provider, like Lakeshore Family Therapy, does not have a contract with your health insurance plan. When you see a therapist/clinic who is out-of-network, health care services could cost more or may not be covered at all since there is no pre-negotiated contracted rate with your health plan. Double-check with your insurance plan if you have out-of-network benefits.
5 Questions to ask your Insurance Provider Before Starting Therapy
1. Do I have mental health insurance benefits?
2. What, specifically, is my Out-of-Network coverage for mental health services?
3. What is my deductible and has it been met?
4. How many sessions per year does my plan cover?
5. What amount will be covered per session?​
Preffered Provider Organization (PPO)
If you have a PPO or any insurance that does not require that you use a provider in their network, you may be able to get reimbursed via out-of-network coverage.
In this case, we provide you with a statement at the end of each month that you can submit to your insurance carrier.
Are you using a Health Savings Account (HSA)?
If you have a pre-tax Health Savings Account, you can typically use those dollars to pay for therapy.
Private Pay Rates (Fee For Service)
If your insurance plan is out-of-network with us, you can pay privately for services.
Our rates vary per clinician. Please visit your Clinician's Bio to see their private pay rates.
Sliding Scale Eligibility
If you are out-of-network with us, you may be eligible for a Sliding Scale discounted rate.
The discounted rate is determined by the Federal Poverty Level (FPL) Guidelines based on your total household income and the total number of people living in your household.
In efforts to avoid fraud/waste/abuse claims, we require documentation of income to accompany a sliding scale rate upon starting services.
Good Faith Estimate
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.
As of January 01, 2022, Under Section 2799B-6 of the Public Health Service Act, health care providers, and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program or not seeking to file a claim with their project or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services upon their request.
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You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services.
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Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
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If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
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Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate,
Individual Therapy