Please note that insurers change their rates without warning! You will find the current rate schedule, below, in my office (I will show it to you before we begin).
Note: Your co-pay which may be listed on your insurance card and must be verified by you with your insurer when you call them to fill out the Insurance Worksheet contained in the New Patient Packet must be subtracted from these amounts, above, to arrive at the amount the insurer is contracted to reimburse Dr. Grant. If you have not met your deductible you will be required, by your insurer, to pay the full contracted amount for the service you receive.
These contracted or “covered amounts” agreed to by your insurer and Dr. Grant are what he expects to receive (minus your co-pay) from them. You will be expected to pay any difference between what your insurer has agreed to pay and what they actually pay for the services you receive.
1101 Johnson Avenue, Suite 200 Myrtle Beach, SC 29577 P: 843.839.9028 F: 843.839.9029
Coastal Center for Cognitive Therapy, PA
Current Insurance Rates
(as of November 22, 2010)
Insurer
Initial Evaluation
(one hour)
Therapy Session
(per 45 minute hour)
Psychological Testing
(per hour)
Bariatric/Spinal Cord
Stimulator Evaluation
Aetna
BCBS of SC (PPC/PPO)
BlueChoice
Federal Employee Program
PAI
Tricare
$150
$125
$150
$300
$107
$75
$150
$257
$140.86
$85.05
$146.82
$285.04
$107
$75
$150
$257
$107
$75
$150
$257
$107
$75
$150
$257
My Opinion about Insurance Carriers and the Insurance Industry in the United States:
It is my opinion that the insurance industry, in general, and your insurer, in particular, does not care the least about you or the quality of treatment you receive but wishes, first and foremost, to decrease any payments they make on your behalf while they increase the amount you (or your employer) pay/s them. Insurers increase their profits by widening this “spread” between what you pay them and what they, in turn, pay out for your care. It is in their best financial interest to pay as little as possible while raising your premiums paid to them as high as possible. Insurance companies are businesses. They care about maximizing profits. They have little interest in who you work with to address your psychological concerns, they are not interested in the abilities or credentials of the provider you see (beyond the provider having a license of some type) and, frankly, they are not concerned about what you actually "get" out of working with someone. They see your work with anyone, no matter how skilled or not, as merely a matter of "sessions" you are rationed by them each year for which they wish to pay as little as possible.
It is my opinion that the insurance industry, in general, and your insurer, in particular, does not care the least about providers like me who are in their network. These insurers appear to create a variety of reasons they then cite for paying us less than the amounts we/they agreed to in our written contracts with them. It seems that they hope that providers like me will not pursue the difference between what they underpay us and what they contracted with us to pay. I believe their conduct in that regard is a breach of contract and a violation of trust.
It is because I cannot trust insurers (nor, do I believe, can you) that I choose to work only with patients who agree, in writing, to the terms in the New Patient Packet that state that the patient will accept financial responsibility for any attempt on their insurer’s part to underpay me and who agree that I can bill their credit/debit card for that difference. It is only in this way that I can avoid the “insurance game” and can happily continue to see you and work with you without the resentment that might be created because your insurer may have attempted to “jerk me around” financially during/after my work with you. I want to have a good working relationship with you that is based on mutual trust and is not spoiled by your insurer’s behavior. It is my hope that you want to have the same good working/trusting relationship with me. Patients who do not want such a relationship and who will not agree to the fair terms I outline in the New Patient Packet are encouraged to seek services from another provider. You may find a list of suggested providers by clicking here.
AS OF MARCH 6, 2011, I WILL NO LONGER
ACCEPT APS INSURANCE.
