Will my health insurance benefits cover services at Family Life Mental Health Center?
Almost all medical insurance plans cover outpatient mental health services from a licensed mental health clinic such as FLMHC. Most plans have the consumer pay a co-payment with a general range of $5.00-$30.00 per visit. Some plans have deductibles which means you have to “meet” your deductible in a given calendar year before your plan pays benefits. Typical plans like this pay 80% of charges after the deductible is met. Here is our list of the major insurance companies that we are contracted with for providing care.
Major Insurance Providers: Blue Cross Blue Shield, Health Partners, Humana, Medica/ UBH, Medical Assistance, Medicare, Medicare Railroad, Metropolitan Health Plan, Preferred One, U-Care/Behavioral Health Providers, and Tricare.
Can I request a specific gender of provider?
Yes you can. When you call to make your first appointment with an Access Specialist they will ask you if you prefer a male or female therapist, best times of day for you to come in, etc. Our goal is to make a good fit for you and to meet your needs in the best possible way.
What will happen at my first appointment?
The first appointment is referred to as the “intake session.” At this first appointment, your clinician will ask you many questions about your situation, types of problems you are experiencing, your personal and family history, medical questions and more; all to gain a thorough understanding of you and how best to treat your problems in the most effective way. This evolves into what we call the “treatment plan” and is the blueprint for your sessions and a baseline for measuring success for you.
How many sessions will I have to have?
If you are coming in for therapy the average is 8-10 sessions. Sometimes things are resolved sooner and sometimes it may take longer. It really depends on your situation and the types of problems you are experiencing. The therapist will discuss the approximate number of sessions with you during the intake session. If you are coming in for medications as a treatment your prescriber will discuss the role of medications and the approximate length of time you may need to take the medication(s).
How much will you be billing my insurance?
All of our charges are billed uniformly to the insurance carriers and these are approved by all the major insurance payers. We cannot bill differently between different insurance plans. Different services have different rates. Certain licensure and educational levels of the providers have different rates as well.
How often do I have to come in for appointments?
The therapist will discuss this with you when you come in for your first appointment. Typically, sessions are weekly until you are doing better and then they taper until you have resolved your issues. The frequency is established between you and your therapist. If you are coming in for medications, you and the prescriber will discuss frequency. We call follow up visits for medications “med checks.” These are less frequent than therapy.
Are you affiliated with or have privileges with any hospitals?
We are strictly an outpatient clinic and do not function as a hospital. If someone needs the hospital we will help assist with information and will carefully discuss options with you.
Are you a crisis clinic?
No, we are not a crisis clinic. Please call 911 in an emergency or life threatening situation.
Do I need a referral from my doctor or my insurance to be seen at your clinic?
Typically, most health insurance plans allow you to simply make an appointment and a referral is not needed.
What insurances are accepted?
We accept most insurances. We attempt to verify that you have coverage prior to your visit and handle all the billing to your insurance plan. Ultimately, your health insurance is your benefit and you are responsible for knowing your coverage.
What is Rule 29 Outpatient Care?
As a licensed outpatient mental health clinic we have met all the rigorous and high quality standards of the State of Minnesota and have been licensed as a “Rule 29” mental health clinic. This is a standard of care and quality that insurance companies recognize and it is also designed to protect the public by having quality standards in place.
How do I become a client at FLMHC?
You may choose to walk-in and meet with the Access Specialist that will assist you in the process of gathering information for evaluation, confirming insurance coverage, and any additional need for assistance. At that time, the Access Specialist will schedule you an appointment to meet with a competent, compatible professional staff member that is specialized in the care that you need.
Other ways to become a client:
• Complete an application and submit online.
• Call to arrange a time to meet with the Access Specialist at 763-427-7964.
• Download the application from www.flmhc.org
• You may call and request the application be mailed or faxed.
Completed applications can be completed online, returned by mail, fax or returned to FLMHC. Be prepared when you arrive to provide a copy of your identification card and insurance card, so we may verify it is you and your insurance coverage. If applicable, bring all court orders and contact information. The Access Specialist is available from 8:00 am to 4:30 pm Monday through Friday. If you fax, mail or return client application, you will be called by our Access Specialist to set up an appointment at your earliest convenience. Future appointments may be made from 8:00 am to 8:00 pm Monday through Thursday and 8:00 am to 5:00 pm on Friday with the professional staff member after the initial evaluation.
What does out-of-network or point-of-service mean?
These refer to the fact that you have a choice in your health plan to go outside of your particular HMO or Managed Care Network. This gives you options and typically you will have a deductible and then an 80/20 plan. The advantage of this is that there is less control from the insurance plan over the care given to you.
What is the Anoka County Sliding Fee Scale?
Clients or applicants may complete an application for Sliding Fee Scale coverage prior to beginning services or as the need arises due to loss of medical insurance or other funding source. Sliding Fee Scale coverage approval is based on income and family size. Anoka County generously provides a sliding fee scale fund for residents to cover services on a short-term basis for those who do not have or have limited medical insurance. Because this funding is limited, we are asking that you apply for Medical Assistance or Minnesota Care to cover your long-term care.
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