Helpful Hints To Determine Your Mental Health Insurance Coverage Yourself

(And Some Little Known Alternative Methods Of Reducing The Cost Of Psychological Services)

The following information will help you follow through with checking your insurance coverage for Outpatient Mental Health benefits.

Both Dr. Schmitt and Dr. McKay are participating Blue Cross/Blue Shield of Michigan and Medicare Part B providers. This means we bill them directly and accept their fees. We also accept any other insurance and will bill them directly from our office. We accept Priority Health clients with a Point of Service option (it will say POS in the upper right corner of your insurance card) and many other HMD's, PPO's, MCO's who allow a Point of Service option or allow you to choose out of panel of providers.

We often offer reduced fees to those unable to use their HMO coverage due to various restrictions. We do not directly participate in any HMO's because we have found that we would have to reduce the quality and integrity of the services we offer if we did. This has allowed us to make treatment decisions which are not affected by an HMO's need to improve their profits. Instead, we believe we can provide the highest quality service by charging fair professional fees, billing all insurance companies directly, and offering several payment and financing options. Most of our patients (even those with HMO's) find that 30 to 80 percent of the cost of services are covered by the use of a combination of:

  1. insurance reimbursement,
  2. medical savings accounts,
  3. extended payment plans, or
  4. reduced fee levels
Questions to ask your insurer if you want to do some checking yourself.
PDF Document
Print this form and bring it to your first appointment or call us if you have any questions at (616) 457-0016.