Fees and Insurance
Clear Information Before Care Begins
Therapy is an important personal and financial decision. We want you to understand how insurance is reviewed, what you may owe, what happens if a claim is not paid as expected, and the current fees if you choose not to use insurance.
How Insurance Works at ATNC
1. You provide your insurance information
Submit your insurance card, subscriber information, date of birth, address, and information about any secondary coverage through the secure client portal.
2. We review the available information
Our team reviews the insurance information available to us, your assigned clinician’s participation with the plan, and an estimate of your benefits.
Whenever possible, we will share the expected copay, coinsurance, deductible, or other client responsibility before your first appointment.
3. We submit the claim
After your appointment, ATNC submits a claim to your health plan. Your insurer processes the claim and issues an Explanation of Benefits, often called an EOB.
ATNC then charges or credits the payment method on file according to the health plan’s final decision and the terms of your signed financial agreement.
An Important Insurance Limitation
Information obtained before an appointment is an estimate—not a guarantee that your health plan will pay the claim.
Your insurer makes the final decision about:
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Your eligibility on the date of service
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Whether the assigned clinician is in network
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Covered and noncovered services
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Copays, coinsurance, and deductibles
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Authorization requirements
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Medical necessity
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Claim payment
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The amount assigned to you
We encourage you to contact your health plan directly if you have questions about your benefits.
Insurance Plans
Depending on the clinician and your specific plan, ATNC may participate with:
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CareFirst and Blue Cross Blue Shield
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Cigna and Evernorth
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Aetna
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Optum and UnitedHealthcare
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Maryland Medicaid and Carelon
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TRICARE
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Medicare
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Compsych
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GEHA
Participation varies by clinician, plan product, network, jurisdiction, and effective date. Being listed here does not mean that every ATNC clinician participates with every product offered by that insurance company.
ATNC accepts Maryland Medicaid and Carelon when the assigned clinician is enrolled and participating. ATNC does not accept DC Medicaid.
Please provide your complete insurance information when requesting an appointment so that we can review your available options.
What You May Owe
Depending on your coverage and circumstances, your financial responsibility may include:
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A copay
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Coinsurance
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An unmet deductible
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A noncovered service
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A late-cancellation or missed-appointment fee
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Another amount permitted by your signed agreement and applicable law
Insurance generally does not pay late-cancellation or missed-appointment fees.
If your health plan later determines that a service was not covered, assigns a different amount to you, or takes back a previous payment, you may be responsible for the resulting balance unless payment is prohibited by law or contract.
Payment Method and Statements
A valid payment method is generally required to remain on file.
ATNC processes client responsibility according to the signed financial agreement. Transaction and statement information is available through the secure client portal.
Please contact the office promptly if you believe a charge is incorrect or if a balance creates a financial hardship.
If Insurance Does Not Pay as Expected
Contact your health plan and ATNC as soon as possible.
We can explain the claim information available to the practice and correct errors made by ATNC. However, we cannot require an insurance company to cover a service, change its benefit determination, or pay a claim.
When appropriate, we may be able to discuss:
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Correcting and resubmitting a claim
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Information needed for an insurance appeal
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Self-pay options
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A payment arrangement
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Referral options
Good Faith Estimates
If you do not have health insurance or choose not to use insurance for your care, you have the right to receive a Good Faith Estimate explaining the expected charges for scheduled or requested services.
The estimate is based on the information available when it is prepared. It is not a fixed treatment plan, a contract, or a guarantee of the total cost of care.
LEARN MORE ABOUT GOOD FAITH ESTIMATES
Self-Pay Fees (If you do not want to use insurance)
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$30 — 15-minute consultation
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$225 — Initial diagnostic assessment
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$180 — Individual therapy session
The 15-minute consultation is optional and is not a therapy session or crisis service.
ATNC provides individual therapy for adults age 18 and older. We do not provide couples therapy, marriage counseling, family therapy, or therapy for children or adolescents.
Fees may change with advance notice and updated client agreements.
Ready to Get Started?
Use our secure online scheduling system to view current appointment availability and submit your insurance or self-pay information.
