Service Rates & Policies
For clients who want to use their insurance for services, we require verification of benefits before scheduling a first visit.
This helps both you and us know what to expect when it comes to your out-of-pocket costs (co-pays and/or co-insurance).
To verify your insurance benefits, you can:
a) use our Navigating Insurance Guide to contact your insurance company and find out your insurance coverage, or,
b) let us verify your benefits for you by submitting your insurance information to us during an initial phone consult, through the form on our Contact Us Page, or by emailing us your information at email@example.com. We may be able to gather some information about your benefits to help you have a general sense of your costs.
Most of our clinicians are currently in-network with:
Blue Cross Blue Shield of NC (BCBSNC)
*NOTE: does NOT include "Blue Local," or Medicare-based plans
*"Blue Value" plans may or may not be covered in some cases
Carolina Behavioral Health Alliance (CBHA)
*does not include "Aetna Select" or Medicare/Medicaid-sponsored plans
Before you schedule your first visit with your therapist, we will help you understand your options on using insurance.
Using Out-of-Network Benefits:
If you would like to utilize out-of-network insurance benefits for our services, we will provide you with a document called a "Superbill" that contains all the information you would need to file a claim for reimbursement with your insurance company. Our in-house billing platform also allows us to create these claims for you, so all you have to do is come in to sessions and focus on the work that's most important to you - not paperwork.
To prevent any unwelcome surprises about your expenses for services, we recommend that you contact your insurance company to find out what coverage your plan offers for out-of-network mental health benefits.
You can do this by calling the customer service line on your insurance card, and asking them the following questions:
Do I have out-of-network "mental health" or "behavioral health" benefits?
What is my out-of-network deductible, and has it been met?
Does my insurance limit the number of sessions it will help pay for each year?
What is the coverage amount per therapy session?
Do I need my doctor to provide approval for therapy so that insurance can be used?
Clients are ultimately responsible for any unpaid balances.
Private Pay Fees
Some clients may need or want to pay for our services out-of-pocket. This allows us to focus on providing you with the best personalized care possible, and not have the limits of that care potentially be dictated by insurance companies.
RFC may be able to offer time-limited, reduced fee agreements or payment plans on a case-by-case basis. RFC also offers shorter session lengths to accommodate clients' financial and scheduling concerns when appropriate. If you have questions about these policies, call us today to find out more.
**Payment for services is processed at the end of each service date. RFC accepts cash, credit/debit cards, checks, and Health Savings Account debit cards. Our system allows clients to take advantage of convenient automated payments. Clients are ultimately responsible for all unpaid balances related to clinical work and any billable adjunct services provided by RFC.
Cancellation / No-Show Policy
Life happens. It's a t-shirt, a bumper sticker, and just a fact. We get it. Sometimes the unexpected takes us by surprise and forces us to switch gears on the fly. Because of this, we offer a cancellation policy that takes this into account:
For sessions that are cancelled less than 48 hours in advance, a flat $65 late cancellation fee will be applied.
If circumstances are extreme (emergency, illness), we may be able to waive this fee on a case-by-case basis.
For "No-Show" sessions (that is, when someone schedules an appointment but doesn't attend or cancel in advance), the full session fee will be applied to the missed session.
After any combination of three (3) late cancellation and/or no-shows, clients are required to make a $100 session reservation deposit prior to scheduling any further sessions. RFC may address this on a case-by-case basis.