Paying for Services
Insurance company contact information can generally be found on the back of the insurance card.
Some providers will require a credit card on file to cover possible no-show/cancellation fees. Students without credit cards may be able to provide a cash deposit for these fees.
Students should check directly with their provider regarding costs of services and other payment requirements, and what types of payment (cash, credit card, check, Venmo, etc.) are accepted. Payment is usually due at the time of service.
When using insurance, know the plan deductible, and any co-insurance or co-payment fees. These costs vary among insurance plans. (If you are unaware of what these terms mean, get more info here.)
Paying for Services without Using Insurance
Students may opt not to utilize insurance to pay for services. In those cases, the student is paying 'out of pocket' and is responsible for covering the full cost of services. For many students, meeting this level of cost is a challenge.
Low/no cost and sliding scale providers offer discounted fees for therapy, usually based on client income. The lower the income, the lower the fee. Providers offer a wide range of scales. Some providers who accept insurance may also offer some sliding scale spaces appointments in their practice. Other sliding scale providers do not accept any insurance coverage.
GoodRx is a startup company that operates a telemedicine platform and a free-to-use website and mobile app that track prescription drug prices in the United States and provide free drug coupons for discounts on medications. GoodRx checks more than 75,000 pharmacies in the United States.
NeedyMeds is a 501(c)(3) national non-profit that connects people to programs that will help them afford their medications, other healthcare costs and provide free drug card for discounts on medications.