Payments
Discount Services
No client will be turned away for their inability to pay.
We offer sliding scale/ discount services to individuals who are unable to afford essential services, based on income and household size.
For more information on how to obtain discount services please contact our administration team at info@introspectmh.com or call our main line at (763) 465-670
Insurance Services
Introspect Mental Health is in network with the following insurers, however, you will have to check with your insurance company to verify we are in network with your specific plan.
Aetna
Bind
Blue Cross Blue Shield of MN
Blue Plus
Cigna
Health Partners
Medicare (not all providers at this time)
Medicaid (MA Programs)
Medica
Multiplan (not all providers at this time)
Optum
Prime West
South Country Health Alliance
United Healthcare (not all providers)
United Healthcare Shared Services
Ucare
No Surprise Billing Act
NO SURPRISE BILLING ACT INFORMATION
Good Faith Estimate
You have the Right to Receive a Good Faith Estimate of Expected Charges Under the No Surprises Act. If you are choosing to use out of network benefits this information is included in an introductory email from Introspect Mental Health. If you would like to receive your Good Faith Estimate in paper form, please contact our main line and or let your provider know.
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item.
You can also ask your healthcare provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
If you receive a bill that is at least $400 more than your Good Faith
Estimate, you can dispute the bill.
Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call our main line at (763) 465-6700.
GENERAL FEES FOR SERVICES
Our general fees for services are provided prior to your first appointment.
DEFINITIONS
“Balance 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’re never required to give up your protections 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.
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 directly.
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 providers.
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 benefits
Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.
If you believe you’ve been wrongly billed, you may contact
Administration, call our main line (763) 465-6700 or reach information for consumers at https://www.cms.gov/nosurprises/consumers.
Payment Policies
Introspect submits balance due accounts to RCB Collections. If a client’s balance exceeds $500.00 they are required to begin making payments. Administration will create a payment plan. All payment plans must be a minimum 20% of total bill per month for balances under $500.00 or no less than $100.00 per month for balances over $500.00.
Clients will be provided information on the Discount Payment program if they express financial hardship. The discount program is based on forgoing insurance useage for future sessions. Introspect is required to follow insurance guidelines and collect co-pays and deductibles.
DEFAULT ACCOUNTS
After 60 days of default on an account a letter will be sent demanding payment within 90 days or to establish a payment plan. Along with the client statement, information on the discount program will also be sent.
If the client does not make payment or begin the process of payment plan, the account will be sent to collections.
Introspect does not turn away clients for their inability to pay, however, we seek to collect payment for services provided, as we are required by our insurance contracts.