Why People Are Seeking Mental Health Care Without Using Insurance
Insurance requires that the person’s mental health diagnosis be revealed to the insurance company.
The insurance company has a right ask for and receive confidential mental health treatment notes.
Insurance companies have a limited number and quality of mental health providers so it is difficult to find a helpful in-network provider.
Insurance companies may not cover mental health care, may deny coverage if the insurance deems mental health care not medically necessary, or may limit treatment duration.
People do not want to run the risk of a return to unhealthier mental health functioning should the insurance suddenly decide that the person’s mental health care is no longer covered.
American Psychological Association’s December 2024 reporting of these insurance problems. https://www.apa.org/topics/psychotherapy/insurance-mental-health-care
Fees For Services
Fees for psychological care include $225 for the first appointment (CPT 90791), and $220 for subsequent appointments (individual - CPT 90837 and couples/family - CPT 90847). Like many psychologist, Dr. Sack does not participate as an in-network (IN) provider with insurance companies.
In compliance with the federal No Surprises Act law, a Good Faith Estimate of fees for services will be provided. Dr. Sack accepts credit/debit cards, Health Service Accounts (HSA) cards, Flex Spending Cards and checks for payment at the time of service.
Out Of Network Insurance Coverage
Many insurance companies will pay you back for psychological services you pay for, even if the care provider is out-of-network (OON). If, despite the insurance use drawbacks listed above, you will be choosing to use your insurance benefits, you may want to call your insurance company to identify what benefit coverage you have. This includes information about whether they will reimburse you for OON providers and whether they pay for telehealth with OON providers. Here is a page you can printout to guide you in asking your insurance company question about your insurance coverage.
FILING OF CLAIMS IF YOU CHOOSE TO USE OON INSURANCE BENEFITS
Dr. Sack’s office will provide you with a monthly superbill containing the information needed for you to submit to your insurance company for reimbursement of insurance payments to you. We cannot guarantee if or what your insurance will pay. Any follow-up calls to insurance companies will be the responsibility of the patient.
CANCELLATIONS AND NO SHOWS
An hours block of time is reserved for a complete focus on one individual. No one else can be scheduled in that same block. If you are going to be unable to use this time saved for you, it would be appreciated if you would please call/text and give as much advance notice as possible that you will be cancelling your appointment. There is most often a session fee charge for appointments missed with less than a 24 hour advance notice. Please be aware that insurance companies will not pay for or repay you for missed appointments.
Downloadable insurance question guide.
To download, please right click and select save as.
Office Hours
Call for appointment times.
Contacting Dr. Sack
Please call 334-590-8492 for making, changing and cancelling appointments, and for contacting Dr. Sack.
For non-confidential information, you may leave a voicemail, send a text, or send an email. Email to Dr. Sack with confidential information can be sent in an encrypted format through the use of the form on the contact tab of this website.
Outside of office hours, or during office hours when Dr. Sack is with someone, please leave a non-emergency message for a return call. If you leave a non-emergency message and your call is not return within 24 hours, please do not hesitate to call again. If you are in an emergency, please, be kind to yourself and go to the emergency room, call the Suicide and Crisis Line at 988, call 911, or call someone in your life for help and support. Once current patients of Dr. Sack are in a safe and stable place, please feel free to contact Dr. Sack at that time.