Insurance

How to Avoid Future Surprise Bills:

Please call BCBS customer services directly to confirm with them that your BCBS insurance is 1) your Primary Insurance and 2) will cover psychotherapy services (telehealth). This is because you are financially responsible for any sessions that are not paid by your BCBS insurance.


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If you have more than one health insurance policy, are uncertain whether you have multiple policies, or are under the age of 26 and plan to use BCBS insurance, here are some steps you should take to ensure your coverage and avoid future surprise bills:



What to Expect 

To ensure you are well-informed and avoid surprise bills, please take your time to read the information below about:

1) What to Expect with BCBS Insurance

BCBS Insurance through a University or College

If you have BCBS insurance through a university such as MIT, Harvard, Northeastern, UMass, or others, you have access to affordable psychotherapy services with Han. BCBS insurance offers telehealth benefits that cover psychotherapy services for a low copay, typically ranging from $0 to $35 per session. With your university's BCBS insurance, you likely have a $0 deductible, so you won't have to worry about unexpected out-of-pocket costs or meeting deductibles.

If you are under the age of 26 and plan to use BCBS insurance, you must ensure that you do not have other insurance through your parents. If you do have additional insurance through your parents, it is imperative to call BCBS insurance to inform them. You need to obtain direct confirmation from BCBS that their insurance is your primary coverage for therapy, as only your insurance company can determine which insurance is primary. Without confirmation and verification from BCBS, there is a risk that your sessions may not be successfully covered, potentially resulting in a substantial surprise bill later.

BCBS Insurance through an Employer or Family Member

If you have BCBS insurance through your employer or a family member, it's important to be aware of your plan's possible deductible. Deductibles can range from $250 to $7500, which means that you may have to pay out of pocket for psychotherapy services for several sessions until you meet your deductible. Once your deductible is met, you will be responsible only for the copay, which typically ranges from $0 to $35 per session.

To determine if you have an unmet deductible, you can either contact your health insurance provider or access your account through the Blue Cross Blue Shield (BCBS) client portal, available on their website or mobile app. By reviewing your account details, you can quickly identify any outstanding deductible amounts. Typically, if there is an unmet deductible, your therapist will be notified by your insurance company within a session or two, which can help you stay informed about your financial responsibilities for your ongoing therapy sessions.

What If You Have An Unmet Deductible

If you have an unmet deductible, you will be responsible for paying out of pocket for psychotherapy sessions until you meet your deductible. Once your deductible is met, your insurance plan will start to cover your sessions, and you will only be responsible for copays that typically range from $0 to $35 per session.

For example, if you have an unmet deductible of $2000 and the cost of each session is $150, you will have to pay for the first 14 sessions on your own ($150 per session x 14 sessions = $2100) to meet your deductible of $2000. After you have met your deductible, your insurance plan will begin to cover your sessions, and you will only be responsible for low copays, such as $25 per session.

2) How to Avoid Surprise Bills

To avoid surprise bills in the future, it's crucial to ensure that you have only one health insurance which is the BCBS insurance you provided to Han.


If you are under the age of 26 and plan to use BCBS insurance, you must ensure that you do not have other insurance through your parents. If you do have additional insurance through your parents, it is imperative to call BCBS insurance to inform them. You need to obtain direct confirmation from BCBS that their insurance is your primary coverage for therapy, as only your insurance company can determine which insurance is primary. Without confirmation and verification from BCBS, there is a risk that your sessions may not be successfully covered, potentially resulting in a substantial surprise bill later.

3) What to Do with an Unmet Deductible

What If You Have An Unmet Deductible

If you have an unmet deductible, you will be responsible for paying out of pocket for psychotherapy sessions until you meet your deductible. Once your deductible is met, your insurance plan will start to cover your sessions, and you will only be responsible for copays that typically range from $0 to $35 per session.

For example, if you have an unmet deductible of $2000 and the cost of each session is $150, you will have to pay for the first 14 sessions on your own ($150 per session x 14 sessions = $2100) to meet your deductible of $2000. After you have met your deductible, your insurance plan will begin to cover your sessions, and you will only be responsible for low copays, such as $25 per session.