Most people have insurance that will cover part or all of our fees for therapy services.  If we are in-network with your insurance, we will file claims for you. Most insurance plans require you to make a co-pay or deductible payment.  Payment is taken at the time of services.

You may also elect to self-pay if you do not have insurance, or if we are out of network.

If someone else is paying for your services (such as a parent), we request that you vault a credit card in our encrypted vault storage. More information about the vault is available under our Current Clients page https://spencerpsychology.com/vaulting-a-credit-card/.

Vaulting a credit card will also be required to continue services if you get behind on your bill.

We are in-network with:

  • Aetna
  • Anthem
  • Blue Cross/Blue Shield
  • CareSource Marketplace
  • IU Health Plans
  • IU Health Plans Select and Premier

We do not take:

  • Cigna
  • HIP (Healthy Indiana Plan)
  • Medicaid plans/Hoosier Healthwise
  • Medicare plans (including Medicare Advantage plans)
  • United Plans

Lapsed Insurance/Change of Insurance

If your insurance lapses, or your insurance changes and you do not inform us, you will be responsible at the self-pay rate for any services you have received during that time frame. If we are in-network with your new insurance, we will start billing your new plan from the date you inform us of the change. We are not able to backdate insurance claims.

Secondary Insurance

  • If you have two policies, one will be primary and one will be secondary. 
  • We are not able to take clients who have secondary insurance.
  • Clients do not get to choose which one is primary and which is secondary. This is decided by the insurance company (typically your employer- based plan will be primary)

Self-Pay Therapy

If you are not using insurance, or if we are out of network with your insurance, you can receive services as a self-pay client. Our self-pay rate is $150 per hour.

No Shows/Late Cancellations

A 24 hour notice is required if you wish to cancel an appointment so that your therapist has time to reschedule your slot with another client. Automated appointment reminders are sent to you at 48 hours and again at 24 hours prior to your appointment. If you do not cancel within the required time frame, or if you fail to show for your appointment, a fee of $75 may be charged for individual/family therapy. A $40 no show/late cancel will be charged for missed group therapy appointments.

Insurance does not cover the fee. You may be required to pay your fee before you may reschedule.
If you fail to show for your intake, you will be required to pay the fee. Clients who cancel/fail to show for a rescheduled intake are not permitted to schedule again.

Services will be discontinued for clients who cancel more than three times, even within the allowed time frame. Our community has long waitlists for mental health services and we need to reserve treatment time for clients who will use it.

Crisis Care/After Hours Services

If you have a crisis, we will of course help you. However, our practice is not designed for clients who frequently need crisis care, and we do not have clinicians on-call.

If you have been hospitalized in the past six months, or have issues with frequent suicidal thoughts or behaviors, or have active psychotic symptoms, please discuss this with the office manager during the assignment process so that we can determine if our practice is an appropriate match for your needs.

If you do need to be hospitalized, or if you need after hours crisis care, this is typically handled by phone by your therapist. Phone calls to coordinate care are not covered by insurance, and will be charged as an out-of-pocket fee.

Case Management

If you request additional services outside of therapy sessions (such as letters, phone calls, or reports to outside parties), these services are not a benefit of your health insurance coverage and will be charged out of pocket at $150 per hour (prorated for less than an hour). Routine coordination, such as updates to your family doctor, or coordination with your insurance, are not charged.

Court Services

Spencer Psychology does not provide general court services, such as custody evaluations or fitness for duty assessments. However, if you are a regular therapy client and become involved in a court matter during the course of treatment, your attorney may decide to subpoena your therapist. In this case, court services are billed at $175 per hour for all clinicians. This includes writing reports, preparation time for hearings, meeting with the attorney, waiting time at court and testimony.

If the hearing is outside of Monroe County, travel time is also billed at $175 per hour. If there is more than one party to the court hearing/trial, the court fees will be paid by whichever party has sent the subpoena. A retainer for the full estimated amount is required at least one week prior to any court appearance. An itemized statement will be provided after the service has been completed, and any underestimate of the fee will then be charged. If the retainer has overestimated the time needed, a refund will be issued.

Good Faith Estimate

Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges.

  • You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.
  • Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
  • Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
  • Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.