Navigating Insurance

Wow, the United States healthcare system sure is maddening, confusing, and downright awful to use & make sense of sometimes.

I’m really sorry that it’s like this.

When considering whether Constellate Patchwork Therapy is the right financial fit for you, there are a few sets of questions to ask your insurance provider by calling the Member Services number located on the back of your insurance card.

(I know that some of us would rather pay taxes, walk miles in the rain & snow uphill both ways in sub-zero temperatures, or learn Advanced Calculus or Trigonometry than make a phone call. Unfortunately, this truly is the best way to get the most accurate information from your insurance provider.)

First Set of Questions

• Do I have in-network behavioral health benefits?

• Is Constellate Patchwork Therapy (NPI: 1235819483) and/or Jessica Storm (NPI: 1205586880) an in-network provider with my current plan?

If these answers are YES, here is your Second Set of Questions to ask when anticipating the cost of therapy:

• What is my in-network deductible?

• What amount have I paid toward my in-network deductible this year?

• What is my co-pay amount?

• What is my co-insurance amount?

If the answer to the First of Questions is NO, here is your Second Set of Questions to ask when anticipating the cost of therapy:

• Do I have out-of-network behavioral health benefits?

• Do I have an out-of-network deductible that has to be met first before I can receive reimbursement for out-of-network behavioral health services?