Insurance and Rates
Coverage You Can Count On
Rates
Unless otherwise determined by agreement with therapist, my out-of-pocket discounted session rate for a 50-55minute session is $150.
The late cancellation and missed appointment fee is $75-$100, and this can be waived at the discretion of your provider due to emergencies
and/or a crisis.
Means of Payment: I accept payment by credit card. I do ask that you keep a credit card and/or your HSA on file with me for billing purposes. You may pay for your sessions including co-payments, deductibles or any amount that is not covered by your insurance, with whichever method you choose. However, due to the billing system I use, your credit card will be charged automatically for sessions that are
canceled with less than 24-hours’ notice, missed sessions, and any amount that is not paid within 15 days of receiving an invoice.
Time of Payment: Fees or copayments are due at the time of the appointment. Because I expect all payment at the time of our meetings, I usually do not send bills. However, if we have agreed that I will bill you, I ask that the bill be paid within 7 days of when
you receive it. Receipts If you would like a receipt, please let me know. Receipts may be electronically sent to you through the patient
portal.
Cancellation and No-show Policy and Fee: Due to the dire need for mental health services, my schedule and practice is very full. I
often have a list of new patients waiting to be seen and/or current patients requesting additional sessions each week. Thus,
it is important that you keep our scheduled appointments, and if you are unable to do so, then you cancel prior to 24 hours,
preferably 48 hours before our session, so that I may use your time to offer to another individual in need. If you do not show
up for your appointment and do not call, then you will be charged a $100 fee. If you cancel the same day for your session,
then you will be charged a $75 fee. Your insurance will not cover this charge.
For psychotherapy sessions, you may use your insurance benefits if I am considered an in network provider with your insurance.
Navigating the managed care system can be extremely overwhelming, and my goal is to help make this process as smooth as possible for you and your family. When you call to schedule your first appointment with me, I will collect your insurance information over the phone and call to verify your mental health coverage and benefits prior to your first appointment. You will be asked to provide current insurance information throughout the duration of your services. If I am contracted with your insurance provider, my office will file all claims for you, on your behalf, and you will be responsible for any co-payment, co-insurance or payment towards deductible at the time of service.
Currently, in network and accepting the following insurances plans:
Aetna
Blue Cross Blue Shield
Optum
United Health Care
The rate of services, coinsurance, copays, and what is and is not covered when using insurance is set by your insurance. You can identify this information through contacting your insurance directly and providing them with the following information:
Provider Name: Lindsey L. Reynoso or Lindsey L. Jensen (maiden name)
Provider NPI number: 1871036640
Provider Professional License Number: For Illinois, it is 149018409 and for Arizona, it is LCSW19240.
For Patients using Optum, United Health Care, and Aetna:
I’ve developed a relationship with Alma, a growing network of mental health providers. This allows for me to be serve and be matched with patients in states where I am licensed, including Arizona and Illinois. We will use this platform for our sessions. They have a deep understanding of my services and handle the billing and contact with your insurance company--the rest is up to me!
For patients without insurance, whom I may not be in network with your insurance, or those choosing to not use insurance benefits:
Many choose to work with me as a therapist even though I may not be in-network with their insurance company or if you do not have insurance or choose not to use insurance. I also accept direct fee for service for therapy, consultation, and supervision services.
If you are not insured, do not have out-of-network benefits with your insurance, or you choose to not use your insurance benefits, then you may pay for your services at my reduced direct fee for service rate. My reduced direct fee rate for Therapy Sessions and Clinical Supervision is $130-$150 per session.
If I am not contracted with your insurance but you have the out-of-network/out-of-pocket benefits, then this rate is set through the fee schedule of the insurance. The out-of-network and direct fee-for-service will be due at the time of your appointment. I will provide you a Good Faith Estimate of Services in accordance with the No Surprise Act (NSA). If requested, then I will prepare a monthly or annually superbill for you to submit to your insurance company, including dates of service, diagnosis and procedure codes, and provider identification numbers necessary to process your claim and for you to send to your insurance company to receive reimbursement directly from them. Please contact me directly for the out-of-pocket rate with your insurance for our sessions. Insurances will at times reimburse this rate.
I always encourage you to contact your insurance plan ahead of time to discuss their policy for out-of-network fees and coverage, as this is often plan-specific.
What is a Good Faith Estimate?
If you don’t have health insurance or you plan to pay for health care bills yourself, generally, health care providers and facilities must give you an estimate of expected charges when you schedule an appointment for a health care item or service, or if you ask for an estimate. This is called a “good faith estimate.”
A good faith estimate isn’t a bill The good faith estimate shows the list of expected charges for items or services from your provider or facility. Because the good faith estimate is based on information known at the time your provider or facility creates the estimate, it won’t include any unknown or unexpected costs that may be added during your treatment.
Generally, the good faith estimate must include expected charges for:
• The primary item or service
• Any other items or services you’re reasonably expected to get as part of the primary item or service for that period of care. The estimate might not include every item or service you get from another provider or facility, even if some items or services may seem connected to the same service. For example, if you’re getting surgery, the good faith estimate could include the cost of the surgery, anesthesia, any lab services, or tests. In some cases, items or services related to the surgery that are scheduled separately, like certain presurgery appointments or physical therapy in the weeks after the surgery, might not be included in the good faith estimate. You’ll get a separate good faith estimate when you schedule those items or services with the provider or facility, or if you ask for it.
It is your right as a patient to have a good faith estimate. Providers and facilities must give you the good faith estimate:
• After you schedule a health care item or service. If you schedule an item or service at least 3 business days before the date you’ll get the item or service, the provider must give you a good faith estimate no later than 1 business day after scheduling. If you schedule the item or service OR ask for cost information about it at least 10 business days before the date you get the item or service, the provider or facility must give you a good faith estimate no later than 3 business days after you schedule or ask for the estimate.
• That includes a list of each item or service (with the provider or facility), and specific details, like the health care service code.
• In a way that’s accessible to you, like in large print, Braille, audio files, or other forms of communication. Providers and facilities must also explain the good faith estimate to you over the phone or in person if you ask, then follow up with a written (paper or electronic) estimate, per your preferred form of communication. Keep the estimate in a safe place so you can compare it to any bills you get later. After you get a bill for the items or services, if the billed amount is $400 or more above the good faith estimate, you may be eligible to dispute the bill.