A copay, short for “co-payment,” is a fixed amount you pay for a medical service, such as a therapy session, when you visit a healthcare provider. It’s your share of the cost of the service, and it’s typically paid directly to the provider at the time of service.
How Copays Work with Insurance
- Insurance Coverage: Most health insurance plans, including those offered by employers and private insurers, have a copay associated with mental health services.
- Copay Amount: The specific copay amount varies depending on your insurance plan. Some plans may have a flat copay per session, while others may have a percentage copay (e.g., 20% of the total session fee).
- Out-of-Pocket Costs: Copays are considered part of your out-of-pocket maximum, which is the total amount you’re responsible for paying for healthcare expenses each year.
Understanding Your Copay
- Review Your Insurance Policy: The most accurate information about your copay can be found in your insurance policy documents.
- Contact Your Insurance Company: If you have questions about your specific copay amount, benefits, or coverage, it’s best to contact your insurance company directly.
At ARCH Counseling Center:
- We accept Medicaid (both through HFS and MCOs), private insurance, and self-pay.
- If you have insurance, we will work with your insurance company to verify your coverage and determine your copay amount.
- For clients who pay out-of-pocket, our fees are $140 per hour of individual therapy, and $150 per hour of couples therapy and family therapy.
For questions regarding your insurance coverage or copay amount, please contact your insurance company directly. You can also direct your questions to our billing specialist, Bernard de Wet, at bernard@archcounselingcenter.com.
