Lucy Offers classes, workshops and retreats in Hudson and River Falls, Wis.
Yoga for Stress & Mood
Six week Series at Inspiring Actions
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This six-week therapy group can be billed to your insurance if you are currently being treated by a psychotherapist and/or psychiatrist
Please read the FAQs and download the forms below to find out if your insurance will cover the group.
Please read the FAQs and download the forms below to find out if your insurance will cover the group.
| authorization_group.pdf |
Frequently Asked Questions about Using your Health Insurance
Why can I use my insurance for this yoga class, but not others? The reason this "class" may be covered by your health insurance is because it is designed and run as "group therapy" using mindfulness based cognitive behavioral therapy (CBT) techniques.
Will my insurance cover the group? Possibly. All insurance plans are different and it is important that you know your coverage. You will need to call your insurance company (using the forms above as a guide) and fill out the forms to register with your insurance. Once you know you have mental health coverage, you must be diagnosed with a 'mental illness' (i.e., Depression, Anxiety) and the group needs to be 'medically necessary' for you to use your insurance. Your psychotherapist and/or psychiatrist can refer you to this group by filling out a form that includes diagnostic information and any safety concern.
Why is the group less expensive if I register without insurance? Working with insurance is time consuming and requires clinical expertise. As you can see from the above question, there are a number of things we need to do before the group starts. I can only bill for services AFTER I provide them and pay a billing company to do so. I need to write a treatment plan for you and keep case notes of each session. I must maintain your records for seven years and ensure that your privacy is protected. Offering a reduced rate for registering for the class in full prior to the start is less time consuming and allows me to guarantee participation and payment for my services. Therefore, the cost per session using insurance is $63, pay in full before the group begins the cost is $189.
How do I determine if I should use my insurance or pay in full before the class starts? Some people do not want to be diagnosed with a mental illness or have records created about their participation even though this information is confidential. It is possible that your records could be subpoenaed (i.e. divorce, child custody). Paying in full before the group starts allows you the most privacy.
If you have a high deductible, coinsurance, or copay, you may actually pay more for the group by using your insurance. If you choose to use your insurance, I bill $63 per session AFTER the session has taken place. Below is what my insurance contracts reimburse for a group session. Keep in mind that if you pay in full ($189 for the series), the cost to you is $31.50 per session.
Health Partners $24.85
Preferred One $24.10
Blue Cross/ Blue Shield (MN) $30.16
UHC $45.40
Medica/UBH $45.50
WEA $50.00
Anthem $60.00
Examples:
*If you do not have a deductible or have met it and have a copay under $30, it would be most cost effective to use your insurance.
*If you have WEA and you have not met your deductible, you will be responsible to pay $50/group session vs. $30 if you pay in full and don't use your insurance.
*If you have a $35 copay it will be more cost effective for you to pay in full and not use your insurance.
*If you have Preferred One and already have a diagnosis, it is most cost effective to use your insurance.
With this information, you can discuss this with the customer service representative when you call your insurance to understand exactly how much you will end up paying for each session.
Can I use HSA money? Possibly. This depends on your HSA. Call your HSA and ask if you can use your HSA money to cover the cost of "group therapy." I can provide you a receipt for your records.
I have decided I want to use my insurance, how do I register?
Download the forms, fill out and read fully. Then contact Lucy to be certain there is room. Lucy's email: click here or call 715-220-1185. Then you will pay the $67 deposit to reserve your spot.
I have decided that I don't want to use my insurance, how do I register? Go to www.inspiringactions.com/series-classes and register.
Why can I use my insurance for this yoga class, but not others? The reason this "class" may be covered by your health insurance is because it is designed and run as "group therapy" using mindfulness based cognitive behavioral therapy (CBT) techniques.
Will my insurance cover the group? Possibly. All insurance plans are different and it is important that you know your coverage. You will need to call your insurance company (using the forms above as a guide) and fill out the forms to register with your insurance. Once you know you have mental health coverage, you must be diagnosed with a 'mental illness' (i.e., Depression, Anxiety) and the group needs to be 'medically necessary' for you to use your insurance. Your psychotherapist and/or psychiatrist can refer you to this group by filling out a form that includes diagnostic information and any safety concern.
Why is the group less expensive if I register without insurance? Working with insurance is time consuming and requires clinical expertise. As you can see from the above question, there are a number of things we need to do before the group starts. I can only bill for services AFTER I provide them and pay a billing company to do so. I need to write a treatment plan for you and keep case notes of each session. I must maintain your records for seven years and ensure that your privacy is protected. Offering a reduced rate for registering for the class in full prior to the start is less time consuming and allows me to guarantee participation and payment for my services. Therefore, the cost per session using insurance is $63, pay in full before the group begins the cost is $189.
How do I determine if I should use my insurance or pay in full before the class starts? Some people do not want to be diagnosed with a mental illness or have records created about their participation even though this information is confidential. It is possible that your records could be subpoenaed (i.e. divorce, child custody). Paying in full before the group starts allows you the most privacy.
If you have a high deductible, coinsurance, or copay, you may actually pay more for the group by using your insurance. If you choose to use your insurance, I bill $63 per session AFTER the session has taken place. Below is what my insurance contracts reimburse for a group session. Keep in mind that if you pay in full ($189 for the series), the cost to you is $31.50 per session.
Health Partners $24.85
Preferred One $24.10
Blue Cross/ Blue Shield (MN) $30.16
UHC $45.40
Medica/UBH $45.50
WEA $50.00
Anthem $60.00
Examples:
*If you do not have a deductible or have met it and have a copay under $30, it would be most cost effective to use your insurance.
*If you have WEA and you have not met your deductible, you will be responsible to pay $50/group session vs. $30 if you pay in full and don't use your insurance.
*If you have a $35 copay it will be more cost effective for you to pay in full and not use your insurance.
*If you have Preferred One and already have a diagnosis, it is most cost effective to use your insurance.
With this information, you can discuss this with the customer service representative when you call your insurance to understand exactly how much you will end up paying for each session.
Can I use HSA money? Possibly. This depends on your HSA. Call your HSA and ask if you can use your HSA money to cover the cost of "group therapy." I can provide you a receipt for your records.
I have decided I want to use my insurance, how do I register?
Download the forms, fill out and read fully. Then contact Lucy to be certain there is room. Lucy's email: click here or call 715-220-1185. Then you will pay the $67 deposit to reserve your spot.
I have decided that I don't want to use my insurance, how do I register? Go to www.inspiringactions.com/series-classes and register.