At Sundew Therapy and Wellness, we understand the importance of providing quality and affordable care. Your payment will vary based on your health insurance coverage and whether we are in-network with your provider. Please see below for the health insurances we accept. If your health insurance is not accepted then Sundew Therapy and Wellness is considered an “out-of-network provider” and you pay out-of-pocket for our services. Even though you’re required to pay out of pocket for services, Sundew Therapy and Wellness may be able to submit a claim to your insurance company for you, for more details, read the “Out-of-Network” section below.

To ensure a smooth process, we need your assistance and agreement to our payment policies. As the client or the person with legal authority to sign on the patient’s behalf, you understand and agree to the following:

• To submit intake forms and a photocopy of your insurance identification card and all information required by your insurance carrier before your first visit.

• To pay any required co-paymentsCopayments are the responsibility of the policyholder. This is a fixed flat fee for services. Because the health insurance copay is fixed, you’ll know ahead of time exactly how much you owe. Your insurance plan sets this amount and is usually listed in your summary of benefits., co-insuranceThe share of the cost for a covered healthcare service after you reach your deductible, is usually calculated as a percentage of the allowed amount for the service. Visit https://www.healthcare.gov/glossary/co-insurance/ for examples., and deductibleThe amount you owe for covered services before your health insurance begins to pay..
• To pay charges for services not covered by insuranceThese are services that your insurance will not cover. Non-covered services can include but are not limited to the services not being listed as covered in your health care plan or the benefit summary supplied by your health insurance, and treatment or tests not authorized by your health care service plan., outstanding balances, and delinquent accounts at or before the time of service. For your convenience, we accept debit and credit cards (except American Express).

• To notify us if your insurance changes before your next visit so we can make the appropriate changes to help you receive your maximum benefits.
• To provide payment for any and all denied claimsA request for payment that you or your health care provider submits to your health insurer when you get items or services you think are covered.. 
• Referrals or pre-authorizationAlso known as preapproval or precertification. Some health insurance plans may require approval from your health insurance before you receive care. Ask your healthcare provider if the services you're interested in require prior authorization so we can start the process without any delays. must be given to our office before your first appointment if required by your insurance policy. Read The Entire Policy Here.
• If Sundew Therapy and Wellness is considered an out-of-network providerHealthcare providers who do not participate in an insurance provider network. This means that the healthcare provider has not signed a contract agreeing to accept the insurance's negotiated prices. with your insurance then payment in full is required at each visit. Read The Entire Policy Here.
• To cancel appointments at least 24 hours in advance. Read The Entire Policy Here.

It is your responsibility to be familiar with the requirements and limitations of your policy. 

Cancellation policy & fees

You will be billed for missed therapy session appointments unless the sessions are canceled 24 hours in advance.

Legal services Policy

In the event you become involved in litigation and your therapist is compelled to testify by another party; you will be billed an hourly fee for the professional time required. Due to the complexity and difficulty of legal involvement, per hour charge for preparation and attendance for any legal proceeding may be higher than your therapist’s clinical fee. If circumstances require that your therapist travel away from the office to provide professional services, the hourly fee will include travel time and a mileage fee.

Pre-authorization/referral policy

Referrals or pre-authorizationAlso known as preapproval or precertification. Some health insurance plans may require approval from your health insurance before you receive care. Ask your healthcare provider if the services you're interested in require prior authorization so we can start the process without any delays. must be given to our office before your first appointment if required by your insurance policy. Failure to do so will result in your appointment being rescheduled unless you plan to pay out-of-pocketThese costs are expenses for medical care that are not reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered. for the services. If you choose to pay out of pocket for the services. You may be unable to successfully file a reimbursement claim with your insurance since services rendered would be prior to authorization. Please direct additional questions about referrals or pre-authorizations to your insurance.

In-Network claims policy

If Sundew Therapy and Wellness qualifies as an in-network providerHealthcare providers are contracted by an insurance company and provide medical care to those enrolled in plans offered by that insurance company. for you then our office staff will file a claim on your behalf to your insurance company, however, if your claim is denied for any reason, you will be responsible for payment for services rendered.

Out-of-Network claims policy

If Sundew Therapy and Wellness is considered an out-of-network providerHealthcare providers who do not participate in an insurance provider network. This means that the healthcare provider has not signed a contract agreeing to accept the insurance's negotiated prices. with your insurance then payment in full is required at each visit. Our office staff will be happy to submit insurance claims on your behalf. Any such request must be accompanied by a photocopy of your insurance identification card and all information required by your insurance carrier before your first visit. This service is provided at no charge to you, although requests for duplicate claims and statements are subject to an accounting service charge.

Client’s responsibility of payment will vary on their health insurance coverage and whether we accept your health insurance, see below for the health insurance we accept. If your health insurance is not accepted then Sundew Therapy + Wellness is considered an “out-of-network provider” and you pay out-of-pocket for our services. Even though you’re required to pay out of pocket for services, Sundew Therapy + Wellness may be able to submit a claim to your insurance company for you, for more details, read the “Out of Pocket” section below.