BN Counseling, LLC

Coaching and Counseling Social, Emotional and Relational Life Management Skills

Questions to ask Your Insurance

“Our relationship with money and time reflects how we value ourselves and others”

Questions to ask Your Insurance

Thank you for choosing us as your wellness provider. While your wellness is our priority, we still must cover this often uncomfortable topic about payments & missed appointments. We hope that these “Questions to Ask Your Insurance” will help you with obtaining pertinent information regarding eligibility and benefits payments and insurance responsibility for services rendered.

Insurance. We participate with some insurance plans. If you are not insured by a plan we do business with, payment in full is expected at each visit. If you are insured by a plan we do business with but don’t have an up-to-date insurance card, payment in full for each visit is required until we can verify your coverage. Knowing your insurance benefits is your responsibility. Please contact your insurance company with any questions you may have regarding your coverage.

IN-NETWORK BENEFITS |The representative of your insurance carrier may ask for BN Counseling information

Brian Nandy, LPC • National Provider ID: 159-808-9633

BN Counseling, LLC • National Provider ID: 164-950-9308                   

TAX ID: 383-77-3599

Add: 147 Columbia Turnpike, Ste 307, Florham Park, NJ 07932

Add: 95 W 13th St, 2nd floor, Bayonne, NJ 07002

______________________________________

  • What’s my deductible for in-network mental health benefits?
  • Is there a limit on sessions your plan will cover per year?
    • If Yes, How many?
  • Does my policy cover 60 minute sessions?
    • If yes, how many?
  • How much is your co-payment for mental health services?
  • What is the policy year (i.e. Jan 1 – Dec 31)?
  • Does your plan require pre-authorization for psychotherapy?
  • Do I have out-of-network mental health benefits ?

________________________________________

In order to find out the reasonable and customary fee, the representative may ask for a Clinical Procedure Terminology (CPT) code for the service you plan to receive. Please note that the CPT codes for services are as follows:

  • 90791 Initial Assessment:
  • 90834 Ongoing psychotherapy:
  • 90837 Psychotherapy:
  • 90847 Couples/family psychotherapy:
  • 90853 Group psychotherapy:
  • 90785 Interactive psychotherapy:

OUT-Of-NETWORK BENEFITS|The representative of your insurance carrier may ask for BN Counseling information              

Your insurance carrier may ask you some questions pertaining to this group practice. Kindly provide them with these information

Brian Nandy, LPC • National Provider ID: 159-808-9633

BN Counseling, LLC • National Provider ID: 164-950-9308                   

TAX ID: 383-77-3599

Add: 147 Columbia Turnpike, Ste 307, Florham Park, NJ 07932

Add: 95 W 13th St, 2nd floor, Bayonne, NJ 07002

________________________________________

  • Does your plan include “out-of-network” coverage for mental health?
  • Is there an annual deductible for out-of-network mental health benefits?
    • If so, how much?
  • Is there a limit on the number of sessions your plan will cover per year?
    • If Yes, How many?
  • Is there a limit on out of pocket expenses per year?
  • What is your co-insurance percentage for mental health services?
  • Does your plan require pre-authorization for psychotherapy?
  • What is the policy year (i.e. Jan 1 – Dec 31)?
  • Does your plan require a referral for psychotherapy?
  • What is the reasonable and customary fee for Bayonne/Hudson County?
  • What is the reasonable and customary fee for Florham Park/Morris County?

(Reasonable and customary fee the amount that your plan determines is the normal range of payment within a given geographic area)

________________________________________

In order to find out the reasonable and customary fee, the representative may ask for a Clinical Procedure Terminology (CPT) code for the service you plan to receive. Please note that the CPT codes for services are as follows:

  • 90791 Initial Assessment:
  • 90834 Ongoing psychotherapy:
  • 90837 Psychotherapy:
  • 90847 Couples/family psychotherapy:
  • 90853 Group psychotherapy:
  • 90785 Interactive psychotherapy: