Insurance & Billing

At Silber Psychological Services, we understand that navigating the financial aspects of mental health care can feel overwhelming. Our goal is to make the process as smooth as possible by providing clear information and support when it comes to insurance and billing.

Out of Network Provider

Silber Psychological Services is an out-of-network provider, which means that we do not contract directly with insurance companies. Payment is due at the time of your appointment. We accept major credit cards, debit cards, and Health Savings Account (HSA) payments. Many of our clients are able to receive partial reimbursement from their insurance provider for our services. We are happy to file insurance claims on your behalf by mail or electronically; however, if you prefer, we can provide you with a superbill that you can send to your insurance company. 

Insurance Reimbursement

While coverage varies between insurance plans, many out-of-network plans provide partial reimbursement for mental health services. We recommend checking your plan for the following:

  • Out-of-Network Mental Health Benefits
  • Deductible Amounts
    The amount you must pay out-of-pocket before your insurance begins to reimburse you.
  • Percentage of Reimbursement
    The percentage of the session fee that will be covered by your insurance after your deductible is met.

Questions to Ask Your Insurance Provider

If you’re unsure about your coverage, here are some questions to ask your insurance company:

  • Does my plan cover out-of-network mental health services?
  • What is my deductible, and has it been met?
  • What percentage of the session fee will be reimbursed?
  • Is there a limit on the number of sessions covered per year?

Flexible Payment Options

We are committed to making mental health care as accessible as possible. To assist with budgeting for services, we accept:

  • Credit and Debit Cards
    All major cards are accepted.
  • Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs)
    You may be able to use your HSA or FSA to cover therapy services.

Good Faith Estimate

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 or call 919-876-5658.

Billing Questions?

We’re Here to Help
If you have any questions about billing or need assistance with understanding your invoice, our administrative team is happy to assist you. Please contact our office.