Insurance Coverage and Cost
Blue Lotus Therapy Services panels with a wide variety of insurance companies to allow access to mental health care using medical insurance. But, finding out what insurance covers and does not cover can be very confusing and overwhelming!
At the bottom of this page, you will find the “Insurance Checklist Form” that you can use to ask the most helpful questions to your specific insurance company regarding your specific coverage for services.
These are common questions and helpful pieces of information for you to be made aware of regarding the cost and coverage of therapy sessions.
Common insurance questions
Below are some questions that a lot of people wonder about when it comes to insurance coverage for therapy services. If your questions are not answered here, please contact us for more information!
What insurances do you take?
Blue Lotus Therapy Services is paneled with a wide variety of insurances, including:
Aetna
Blue Cross Blue Shield
Blue Care Network
Blue Cross Complete
Cigna
Cofinity
Humana
McLaren
McLaren Medicaid
Medicare
Optum
PHP/ U of M Health Plan
Priority Health
United HealthCare
​
We are NO LONGER able to accept Meridian Medicaid
Are all therapists at the practice able to accept the same insurances?
Unfortunately, no! Insurance companies all have their own rules about which licenses they will allow to be reimbursed, when they are accepting new providers, or what expectations a provider must meet in order to qualify to be paneled with that particular insurance company. For example, limited license therapists are not able to meet with clients who use Blue Care Network insurance, even if their supervisors, who are fully licensed, can see clients with Blue Care Network insurance.
Do I have a copay, deductible, or co-insurance?
Every insurance plan has different coverage and rules for what you, the consumer, is financially responsible to pay the providers for mental healthcare services. The best way to find out would be to look up this information by calling your insurance company and asking them (see the “Insurance Checklist Form” for specific questions to ask), logging in to the app or website for your insurance company to see what is specified for plan coverage there, or looking to see if the information is provided on the front of your insurance card itself.
What does it mean if I have to “meet my deductible” first?
Our providers will submit sessions to your insurance through our billing team using a billing code for each session. Common codes are 90837 (1 hour of therapy), 90834 (45 minutes of therapy), and 90847 (1 hour of conjoint therapy). Each code has a different reimbursement rate that the insurance company sets. For example, an insurance company might reimburse $120 for a 90837 code. If you have a deductible of $1,000, you will have to pay the $120 for that service code until you reach the $1,000 limit. Once you hit your deductible, you may not have to pay anything more, or you may have a co-insurance (10% or 20% of the reimbursement amount), a set copay ($20 for that service code every time), or no additional payments to make for those services. Again, this will depend on your specific plan, so it is helpful to clarify this information from your insurance company directly.
Do I have to use insurance for therapy services?
No, if you wish to pay for services privately, you can meet with any of our therapists on staff who has the availability and ability to treat your specific needs in therapy. Our private pay rate is $200 for the first (intake) appointment, and $125 for each session afterwards.
Insurance Checklist Form
Please CLICK HERE for a copy of the insurance checklist form. This form includes questions that you can call and ask your insurance company directly to verify cost and coverage