Insurance

I accept all types of insurance. I am in the process of applying to be an in-network provider for all the major insurance companies. Currently, I am an in-network provider for the following companies:

  • Premera
  • Regence
  • HMA
  • United Healthcare – Optum
  • Aetna
  • Lifewise
  • Medicare

I still receive payments for the following insurance companies I am not in network with yet:

  • Cigna
  • Moda
  • First Choice Network

INSURANCE REIMBURSEMENT

Many, though not all, medical plans cover psychological services when your work with a Licensed Psychologist. I recommend that you check with your insurance company to see if you are entitled to receive any benefits under your plan. I will also have the lady who does my billing) check this for you, and will get back to you in usually in 2-8 days. Until I get the information on your coverage and co-payment I ask for a certain amount per session which will be applied to your copayments. (Co-Payments usually vary between $20 and $50 per session.) If there appears to be a long delay I may ask for full payment at the end of each session.

NOT AN IN-NETWORK PROVIDER FOR SOME INSURANCE COMPANIES YET

I am in the process of applying to be an in network provider for all the major insurance companies. I am currently out of network for many of them. Insurance companies can pay a smaller percentage with a larger deductible for some policies. I am willing to work with you on the cost to you.

What You Are Responsible For:

Special Payment arrangements can be made in advance with Dr. Carr. Otherwise, you are responsible for the insurance any yearly 1) deductible amount left, 2) the insurance co-payment as well as for the 3) difference between what the insurance company is billed for and the percentage of that billed amount that the insurance company actually pays.

If other arrangements have been made in advance with Dr. Carr, then you are responsible for payment according to those other arrangements. Feel free to discuss any arrangements with Dr. Carr. Please read below for your responsibilities when insurance checks are mailed directly to you.

When insurance checks are mailed directly to you

Some insurance companies, like Premera Blue Cross, will sometimes mail the checks to cover the session fees directly to you (the client) instead of to me (the provider). This is more often done for providers who are "out of network". When the insurance checks are mailed to you, it may be easier for you to pay for each session and then wait for the reimbursement check to be sent to you. If this is not possible, you must remember to forward or bring the insurance check sent to you to Dr. Carr's office the week you get it.

OVERDUE ACCOUNTS

You are responsible for your account and are expected to pay for all services you receive. Accounts overdue 90 days or more may be turned over to a collection agency or to an attorney. You will be responsible for attorney's fees and costs, or collection agency fees in the event that your account becomes delinquent. Accounts overdue more that 30 days will be assessed a 1.5-% interest charge each month (18% per year).