Insurance Matters

To offer the highest quality mental health care possible, Multicultural CBT-DBT, also known as The Flying Psychotherapist, is an Out-of-Network Provider for all insurance companies.

Payment is due at the time of service for each Individual or Family Therapy session.

You may call your insurance company to inquire about your Out-of-Network Outpatient Mental Health Benefits. This information will help you determine how much you may be reimbursed for care received at Multicultural CBT-DBT / The Flying Psychotherapist.

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When contacting your insurance company, ask about:

• Your Annual Deductible and whether it has been met for the current calendar year.

• The percentage of reimbursement your plan provides for Out-of-Network mental health visits (e.g., 80%, 70%) once your deductible has been met.

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CPT Codes

The CPT codes of treatment services we most typically provide are:

• Initial Consultation: CPT #90791

• Individual Psychotherapy: CPT #90834 / 90837

• Group Psychotherapy: CPT #90853

• Multi-Family Group Psychotherapy: CPT #90849

• Family Therapy: CPT #90847 / 90846

 

Cancellation Policy

You are not responsible for your Reserved Individual or Family Therapy session when:

• You give at least 48 hours’ notice

• You have a serious individual or family medical emergency

• There are hazardous road conditions

DBT Skills & Specialty Groups are paid as monthly “Tuition.” Cancellation does not apply.

 

Fee Schedule

Our Consultation and Treatment Fees for this calendar year are available upon request.

 

Good Faith Estimate (GFE) –

Federal & State Requirements

Under the No Surprises Act (effective January 1, 2022) and applicable state laws in New York, New Jersey, California, Florida, Massachusetts, Connecticut, and Pennsylvania, all health care providers are required to inform patients of their right to receive a Good Faith Estimate (GFE) for the expected cost of services.

• A GFE shows the estimated cost of services based on information known at the time of scheduling.

• It does not include unknown or unexpected costs that may arise. If complications occur or services change, you will receive an updated estimate.

• The GFE does not account for any reimbursement you may receive through your Out-of-Network benefits.

Because Multicultural CBT-DBT / The Flying Psychotherapist is an Out-of-Network provider, we do not have contracts with insurance plans. You may choose to use In-Network providers if you prefer to avoid potential higher costs.

 

Surprise Billing Protections

 

You are protected from “surprise bills” under federal law (No Surprises Act) and under state laws in New York, New Jersey, California, Florida, Massachusetts, Connecticut, and Pennsylvania. These laws generally protect you from being billed more than your In-Network cost-sharing amount when:

• You receive emergency services.

• You are unknowingly treated by an Out-of-Network provider at an In-Network facility.

These protections typically apply to hospital, emergency, and facility-based services. They do not usually apply to private practice outpatient mental health services (like those provided at Multicultural CBT-DBT).

 

Your Rights & Dispute Process

 

If you receive a bill that is substantially higher than your Good Faith Estimate:

• You may initiate a dispute resolution process with the U.S. Department of Health and Human Services (HHS).

• This must be done within 120 calendar days (about 4 months) of receiving the original bill.

• There is a $25 filing fee. If the reviewing agency agrees with you, you will not have to pay the higher amount.

Visit www.cms.gov/nosurprises or call 800-985-3059.

Appendix: State-Specific Consumer Protection Contacts

 

New York (NY)

• Agency: New York State Department of Financial Services (DFS)

• Website: https://www.dfs.ny.gov

• Phone: (800) 342-3736

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New Jersey (NJ)

• Agency: New Jersey Department of Banking and Insurance (DOBI)

• Website: https://www.state.nj.us/dobi

• Phone: (609) 292-7272

 

California (CA)

• Agency: California Department of Managed Health Care (DMHC)

• Website: https://www.dmhc.ca.gov

• Phone: (888) 466-2219

 

Florida (FL)

• Agency: Florida Office of Insurance Regulation / Department of Financial Services

• Website: https://www.floir.com

• Phone: (877) 693-5236

 

Massachusetts (MA)

• Agency: Massachusetts Health Policy Commission & Division of Insurance

• Website: https://www.mass.gov/orgs/division-of-insurance

• Phone: (617) 521-7794

 

Connecticut (CT)

• Agency: Connecticut Insurance Department

• Website: https://portal.ct.gov/cid

• Phone: (860) 297-3900

 

Pennsylvania (PA)

• Agency: Pennsylvania Insurance Department

• Website: https://www.insurance.pa.gov

• Phone: (877) 881-6388