Cancellation Policy

Any cancellation for a scheduled appointment will require a 24-hour notice.

Any cancellation made less than 24 hours in advance will be charged for the full amount of their session.

Insurance at Courage to Connect

We do not work directly with any insurance providers.

If you would like to use your insurance, we can act as an out-of-network provider.

How this works is: you may request that provide you with monthly insurance-ready statements (called Superbills) and you submit the bill to your insurance and they can reimburse you for what they cover for mental health services based on their rates.

We do not accept insurance because we believe in keeping confidentiality with our clients. Here are some reasons we do not work with directly with insurance:

• Using insurance gives the insurance companies the right to review any personal information discussed in session which includes: your treatment plan, your history, your personal struggles, and your personal goals.
• Insurance companies typically require that I make a diagnosis which may be carried over in your record and effect different areas of need later in life.
• With this diagnosis, your insurance can dictate the number of sessions they will allow or decide whether therapy is even necessary.

We cannot work with people who have Medicaid as an insurance. Per law, people with Medicaid cannot pay for services out of pocket. We are happy to help you find a provider within your network if you are having a hard time finding a provider.

If you have any further questions please feel free to contact us.

Here are some links for certain insurance’s reimbursement forms:

• Anthem Blue Cross Reimbursement Form
• Blue Shield Reimbursement Form
• United Health Reimbursement Form
• Aetna Reimbursement Form 
• Cigna Reimbursement Form 

YOUR RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLS

(OMB Control Number: 0938-1401)

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

What is “balance billing” (sometimes called “surprise billing”)?

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 have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.

“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.

You are protected from balance billing for:

Emergency services

If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable  condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.

Certain services at an in-network hospital or ambulatory surgical center

When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections  not to be balance billed.

If you get other services at these in-network facilities, out-of-network providers can’t balance  bill you unless you give written consent and give up your protections.

You’re never required to give up your protection from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.

When balance billing isn’t allowed, you also have the following protections:

• You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities
• Your health plan generally must:
• Cover emergency services without requiring you to get approval for services in advance (prior authorization).
• Cover emergency services by out-of-network
• Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of
• Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket

If you believe you’ve been wrongly billed, you may contact:

Department of Regulatory Agency (DORA)

1560 Broadway, Suite 1350

Denver, Colorado 80202

(303) 894-7800

Visit https://www.cms.gov/files/document/model-disclosure-notice-patient-protections-against-surprise-billing-providers-facilities-health.pdf for more information about your rights under Federal law.