Insurance and Payment
Below you will see the insurance companies our providers are in network with:
How Do I Know My Insurance Coverage?
Insurance can be tricky! I have included a handy guide to ask an insurance representative to clarify your benefits and coverage.
What is the Deductible?
The amount of money that you have to pay out of pocket before your insurance company begins to pay for your appointments.
What is the co-insurance and the co-pay?
The co-insurance include the percentages of what insurance covers and what you pay. If insurance covers 80%, you pay $20%. The co-payment is rather a flat fee, not a percentage, of what you would pay at each session. It will be one or the other.
Keep in mind, just because you have a co-pay or co-insurance listed on your card, if you have not met your deductible, you will most likely pay out of pocket until you meet your deductible. Then your co-payment or co-insurance will kick in and insurance will begin to pay.
- Blue Cross Blue Shield of Illinois, Preferred Provider Operations (PPO)-Dr. Z, Shannon Merkin, LCSW, Dr. Varga
- Blue Cross Blue Shield of Illinois, Blue Choice-Dr. Z, Shannon Merkin, LCSW, Dr. Varga
- Cigna- Dr. Z, Shannon Merkin, LCSW
- United Health Care/Optum-Dr. Z, Shannon Merkin, LCSW
- Aetna-Dr. Z, Shannon Merkin, LCSW
- Humana Military (Tricare East)-Dr. Z, IN THE PROCESS OF CREDENTIALING Shannon Merkin, LCSW
- Magellan-Dr. Z
- Medicare Part B-IN THE PROCESS OF CREDENTIALING Dr. Z
- We also accept clients who have other forms of insurance and clients paying out of pocket. We will provide you with a form to send to your insurance company for reimbursement and you will be responsible for initial payment for services.
How Do I Know My Insurance Coverage?
Insurance can be tricky! I have included a handy guide to ask an insurance representative to clarify your benefits and coverage.
- Look on the back of your insurance card for a "Customer Service" number.
- Call and be directed to "benefit inquiry"
- You will be asked questions to varify your identity (such as: social security number member, ID#, date of birth, cardholder’s address)
- Make note that you are inquiring about mental health benefits
- The doctor’s name I am seeing is Dr. Brigid Zarbock. Is she in network or out of network on my policy?
- If out of network, do I have out of network benefits?
- What is my deductible for mental health?
- Is this deductible per calendar year?
- Are there a limited number of visits per calendar year? If yes how many?
- Is there a maximum dollar amount per year? If yes, how much?
- What is my percentage of coverage?
- What is my co-pay/co-insurance?
- Do I need any pre-authorization for treatment?
- If yes, how many sessions are authorized before a treatment plan is required?
What is the Deductible?
The amount of money that you have to pay out of pocket before your insurance company begins to pay for your appointments.
What is the co-insurance and the co-pay?
The co-insurance include the percentages of what insurance covers and what you pay. If insurance covers 80%, you pay $20%. The co-payment is rather a flat fee, not a percentage, of what you would pay at each session. It will be one or the other.
Keep in mind, just because you have a co-pay or co-insurance listed on your card, if you have not met your deductible, you will most likely pay out of pocket until you meet your deductible. Then your co-payment or co-insurance will kick in and insurance will begin to pay.
Payment
Payment is due the day of service. For your convenience, I accept cash, all major credit cards, health savings accounts, and checks
Fees
For details regarding fees, please see "Patient Services Agreement" under the "Paperwork" section of this website.
Payment is due the day of service. For your convenience, I accept cash, all major credit cards, health savings accounts, and checks
Fees
For details regarding fees, please see "Patient Services Agreement" under the "Paperwork" section of this website.