Frequently asked questions about Direct-Pay

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What does "direct-pay" mean? 

Direct-pay (self-pay) means you pay directly for your care at the time of your appointment rather than billing through an insurance middleman. This model allows for complete pricing transparency—so you know the exact cost of a visit before your appointment begins—and maximizes clinical freedom without insurance restrictions or delays.

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Can I still do direct-pay if I have insurance?

Yes. Due to high annual deductibles, specialist copays, or percentage-based coinsurance, out-of-pocket costs through insurance can often equal or exceed direct self-pay rates. Choosing direct-pay provides upfront pricing, extended appointments, and complete privacy, with itemized Superbills available upon request for out-of-network reimbursement.

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Why choose a direct-pay model over insurance?

• Transparent pricing: you will always know the exact cost of your visit upfront- no surprise bills, confusing co-insurance, or denied claims months down the road. 

• Greater privacy & control: your records, diagnosis, and treatment notes stay confidential between you and your provider rather than being submitted to insurance databases ​

• Integrative & holistic care freedom: It can be easier for self pay models to incorporate comprehensive lifestyle counseling, sleep hygiene, nutritional strategies, and wellness guidance alongside evidence-based medical and psychiatric care because insurance companies rarely reimburse for these services. 

• Care Tailored to You, Not Insurance Guidelines. Insurance companies often impose rigid limits on session length, appointment frequency, and covered treatment approaches.In a direct-pay model, your care plan can be guided entirely by your goals and clinical needs—not arbitrary insurance pre-authorizations or restrictive billing rules. 

 

If I have insurance, will prescribed medications still be covered by insurance if I do direct-pay? 

Yes. You can still use your health insurance or pharmacy benefit card at the pharmacy to cover the cost of your prescription medications. If your insurer requires a Prior Authorization (PA), Healing Halls will submit the necessary clinical details to your pharmacy benefit manager. If you prefer zero data reported to your insurer, you can also opt for cash-discount programs (such as GoodRx).

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Will there be any surprise fees?

No. There are never any surprise fees or hidden facility charges. You will always receive upfront pricing before your visit. For the cancellation and missed appointment policy, Healing Halls requires at least 24 hours notice to cancel or reschedule. Late cancellations or missed visits will be charged in the full session fee to the card on file. 

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What forms of payment do you accept?

Healing Halls accepts all major credit and debit cards, as well as HSA (Health Savings Account) and FSA (Flexible Spending Account) cards. If you are using an HSA or FSA card you can ensure your card is active for outpatient mental health/medical services. If your card requires third-party substantiation, you can download your itemized receipt or Superbill directly from the Client Portal at any time.

 

Will my insurance company always reimburse me for a superbill? 

Not always. Reimbursement is determined entirely by your individual insurance plan and is not guaranteed. While PPO and POS plans frequently provide out-of-network behavioral health coverage, many plans (including HMOs and EPOs) do not. Additionally, most insurers require you to meet an out-of-network deductible before issuing reimbursements. We strongly encourage checking directly with your insurance company beforehand to verify your specific out-of-network mental health benefits.

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