*** Dr. Savage is not currently accepting new patients ***
Free Consultation
If you are interested pursuing therapy with me but are uncertain, we can talk by phone to discuss your needs to help determine if I am a suitable therapist for your needs, or answer questions you might have about therapy, or simply get a feel for how comfortable you are talking with me. (Feeling comfortable with your therapist is critical. Read more here on this subject). Call for a consultation, questions, or to schedule your first therapy session (808)376-2922
Insurance
I accepting HMSA, HMAA, UHA, and three QUEST plans (UHC, HMSA, and Alohacare). I am out of network for all other plans.
I accept Sendero/Idealcare and Blue Cross Blue Shield (BCBS) insurance for patients in Texas wanting tele-therapy sessions. If you have out of state benefits on your insurance, United Healthcare or UMR will likely cover our sessions. I have also had cases where Aetna or Tricare approves me for out of network benefits covered as in network. Please make sure your plan covers telehealth.
Fees
If you are using insurance, your amount paid at the appointment will be the co-pay set by your insurance, unless your plan has a $0 co-pay, and in that case you pay nothing.
If you are paying and not using insurance, or if you are paying and then asking your insurance to pay you back, I will charge you at the time of session the full session fees listed below. (I raise my fees periodically and will give notice before the fee change occurs.)
WITH INSURANCE:
QUEST -plans – $0 – these plans have no co-pay
Co-pays tend to range from $10 to $40, but can be higher if you have an deductible
HMSA – your co-pay will be determined by your plan
HMAA – your co-pay will be determined by your plan
UHA – your co-pay will be determined by your plan
United Healthcare – your co-pay will be determined by your plan
BCBS – your co-pay will be determined by your plan
Sendero/Idealcare – varies – tends to be $0 to $20
WITHOUT INSURANCE:
INDIVIDUAL THERAPY (45 to 55 min session) – $160 – $250
GROUP THERAPY – $75
NO SHOW FEE – $160
LATE CANCELLATION or NO SHOW FEE – full fee for the session (insurances will not cover sessions not attended)
*Please note if your insurance fails to pay, or you run out of coverage, you are liable for the fees
Out of Network Insurances
All insurances have to cover therapy, since the Affordable Care Act, and many allow for “out of network” providers. If your insurance has coverage for “out of network” providers, you can submit my bill to them and get reimbursed by your insurance company for our sessions. Some insurances cover out of network for mental health benefits even if they don’t cover out of network for medical health benefits. The easiest way to find out it so call the number on your insurance card and ask. See detailed questions to ask them below.*
Forms of Payment Accepted
Credit card, debit card, Flexible Spending (FSA) and Healthcare Spending Account (HSA cards), check, or cash.
Flexible Spending (FSA) or Healthcare Spending Accounts (HSA)
Psychotherapy fees and co-pays are considered an eligible medical expense and can be paid for with funds from your HSA or FSA accounts.
*Instructions for finding out about insurance coverage for therapy
Call the customer service number on the back of your insurance card (If there is a different number that states “behavioral health” or “mental health” then call that number, and ASK:
• What are my mental health benefits for individual psychotherapy?
• Do I have to meet a deductible, and if so has it been met?
• How many therapy sessions per year does my insurance plan cover?
• How much does my plan cover for an out-of-network mental health provider?
• How do I obtain reimbursement for therapy with an out-of-network provider?
• Is approval required from my primary care physician?
Feel free to contact me if you have questions or need assistance with this process at (808) 376-2922.
THE LAW AND MENTAL HEALTH BENEFITS AND COVERAGE
The American Psychological Association (APA) provides some helpful tips and information on insurance and mental health insurance coverage on their website and your rights, since sometimes insurance companies will put limits on therapy based on old laws. The new healthcare laws also require mental health benefits to be provided on all plans and unlimited sessions for some diagnosis, such as Major Depression and Bipolar Disorder. Sadly, sometimes insurance companies hope you are not informed and will not pursue benefits that they are legally required to cover.