Payment for Services

*A major credit card is required when making an appointment.*

*We do not accept Medicare Advantage Plans, Railroad Medicare, or BlueCross BlueShield Plans except BCBS of Massachusetts. Railroad Medicare, or Medicaid. Clients with private commercial insurances are welcomed to make appointments, but the service will be billed as cash pay.

WE ACCEPT THE FOLLOWING INSURANCES :

  • Medicare Part B (Oregon, Washington, and Nevada) - Medicare Advantage plans are currently not accepted as primary insurances

  • Providence (Oregon only)

  • Cigna (Oregon, Washington, and Nevada)

  • BCBS of Massachusetts (no other BCBS plans accepted) (Oregon, Washington, and Nevada)

  • Kaiser, including the following: (Washington only)

    • Kaisier WA Medicare

    • Kaiser WA access PPO

    • Kaiser WA core

    • Kaiser WA Boeing

    • Kaiser WA Providence

    • Kaiser WA Soundchoice

  • Optum, including the following: (Oregon, Washington, and Nevada)

    • UnitedHealthcare

    • UnitedHealthcare Shared Services (UHSS)

    • GEHA - UnitedHealthcare Shared Services (UHSS)

    • Oscar

    • Harvard Pilgrim

    • Oxford

    • UHC Student Resources

    • UMR

    • All Savers (UHC)

    • Health Plans Inc

    • Medica (Eligible if policy is commercial only)

    • Surest (Formerly Bind)*

  • Aetna, including the following: (Oregon, Washington, and Nevada)

    • Meritain

    • Nippon

    • Allied Benefit Systems

    • GEHA - United Healthcare Shared Services (UHSS)

    • Trustmark

    • Trustmark Small Business Benefits

    • Health Scope

    • Christian Brothers Services

  • Tricare (Oregon, Washington, and Nevada)

  • COMING SOON: MODA, Carelon, Magellon

FOR CLIENTS NOT COVERED BY INSURANCE:

All sessions must be paid in full at each appointment. All missed appointments and sessions cancelled with less than 24-hours notice must also be paid for in full at the time of the scheduled appointment. Payments are made by credit card. Auto-payments are arranged as part of the registration process for individual treatment and contract for services.

If you use insurance, but from an out-of-network company, Dr. Stewart will provide you with a "Superbill". This superbill lists the insurance billing codes (e.g., CPT codes—see above) for the services received and a list of payments received by the provider from the client for these services. There is no information on these forms that discloses what a client talks about in sessions or personal life details. The superbill does list the client’s name and date of birth as it appears on their health insurance so that reimbursement is not denied due to the carrier having no record of coverage for the person submitting the claim to them. Superbills list the diagnosis code to identify the primary reason the person is receiving therapy as well as the identifying information and the National Provider Identifier number (NPI) of the provider of these services.

Clients may submit superbills to their insurance for reimbursement of a portion of their session fees when they wish to AND if they have out-of-network benefits. Patients submit superbills to their insurance carrier for reimbursement, if they have out-of-network benefits. To find out if you have out-of-network benefits, call the member services number on the back of your health insurance identification card and ask if you have out-of-network benefits for behavioral health services. If you do, ask them the rate of reimbursement, or how much they pay you back per session. This rate will vary based on the service you need and the level of degree licensure of the therapist. Whether these out-of-network benefits are provided, when available however, is variable and individuals are responsible to explore their benefits with their own carrier prior to engaging in services for which they may later want reimbursement. Clients must check with their own insurance carrier to ask about out-of-network benefits.

Cancellation Policy

If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you will be charged $100 for the missed session and may be charged for the full rate of the session. Clients missing two appointments may be dismissed from service so that other clients may have the opportunity for appointments.