MURPHY✦URBAN & ASSOCIATES
2740 S 7th Street TEL: 812-235-6121
Terre Haute, IN 47802 FAX: 812-235-4565
INSURANCE
INSURANCE
We are paneled with many insurance companies and we will submit insurance claims on your behalf. Most major health insurance plans cover behavioral/mental health. However, please check your coverage or benefit plan to make certain mental health is included. Helpful questions to ask your insurance company are:
- Do I have mental health insurance benefits?
- What is my deductible and has it been met?
- What is the coverage amount per therapy session (or for psychological testing)?
- Do the sessions (or the psychological testing) need pre-certification?
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PLEASE NOTE: Despite being in-network providers with many insurance companies, services including psychoeducational testing and couples therapy may not be covered by insurance as “medically necessary” services. As a result, these services may be considered an out-of-pocket expense and will be billed at the normal hourly rate.
No Surprise Billing Act
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or must pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.
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“Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay, and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.
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Here are your rights with regard to No Surprise Billing. This includes a fair estimate of costs for our services should you be out of network with our providers, uninsured, or choose to pay without using your medical insurance.
Payment
Payment is expected at the time of service. We accept cash, check and all major credit cards, including HSA cards as forms of payment. You may also pay online through Instamed, a PCI Level One Service Provider that offers HIPAA-compliant technology for patient payments. Simply click on the link below to make a payment.
When making a payment online, please put the invoice number or patient name in the box for Patient ID.