Insurance and Fees


Insurance and Fees

Olivia accepts Healthchoice, Aetna, and Cigna insurances only. Private pay options are available. Forms of payment accepted include cash, check, healthcare funds, and all major credit cards. Cash and checks are preferred in order to avoid transaction fees. Olivia uses Square to accept payment.

More Information About Insurance Coverage

Out of Network Coverage

Olivia Riches Ambs, LMHC may be considered an out-of-network coverage for mental health counseling/psychotherapy services. This means that you will pay for your counseling and request a reimbursement from your insurance company. It is important to know that reimbursement is not guaranteed as not all insurance companies will reimburse you, or they may not reimburse you for the full cost of the service(s) provided. For your reimbursement request, a "Super Bill" will be provided to the client upon request. A Super Bill is a special receipt which includes specific information insurance companies require in order to consider requests for reimbursement or requests that your charges be counted toward your deductible.

Questions To Ask Your Insurance Provider Prior To Counseling

If you would like to investigate the possibility of reimbursement for out-of-network coverage, please check your policy carefully and ask the following questions of your provider:

1.    Do I have mental health benefits?

2.    What is my deductible and has it been met?

3.    How many mental health sessions per calendar year does my insurance plan cover?

4.    How much does my plan cover for an out-of-network mental health provider?

5.    How do I obtain reimbursement for therapy with an out-of-network provider?

6.    What is the coverage amount per therapy session?

7.    Is approval required from my primary care physician?

Benefits of Forgoing Insurance and Paying Privately

1.    Choosing a therapist that's right for you - Participating therapists on an insurance panel elect to seek participation on that insurance panel, and are accepted per the insurance company's availability for new providers. More often than not, there is not a careful selection process, but instead insurance companies typically include therapists based on location, price, or therapeutic approach. This may mean that access to customized, quality mental health coverage is limited and you find your therapist is not a good fit for you.

2.    Control over your therapy - Many insurance companies set limits on the type, frequency, or amount of sessions you may have. Insurance companies may demand a review of your mental health records, which means they can review and/or question the treatment you're receiving and/or whether or not they will discontinue coverage for your sessions. Insurance companies may also require that you take medication before they will approve counseling sessions for you.

3.     Confidentiality - Insurance companies require, at minimum, dates of service and mental health diagnosis in order to pay (or reimburse you) for your therapy sessions. While your counseling is confidential, you must sign a form that allows the counselor to communicate this confidential information to your insurance company. In the event that your insurance company requires pre-authorization for treatment and/or reviews your file, additional information, such as therapy session notes, must be provided to the insurance company. It is important to note that this information becomes part of your record and could be used by insurance companies to determine future insurance rates or eligibility, eligibility in the armed forces, driving record, etc. This is particularly important when considering counseling for your child(ren).