Ruby Therapeutics
Truly patient centered care - Our direct care approach allows us the autonomy to work together to customize your mental health care to fit your unique needs.
Financial
How does direct care work?
1. Schedule and pay for service
2. submit receipt to insurance
3. receive reimbursement by insurance or applied to deductible
We utilize a direct care approach. This means that our practice only accepts payments from patients. We believe that a simpler approach, a basic fee for service model, lends itself to more transparency, encouraging patients to evaluate and choose the best healthcare options for them. This approach also enables your provider to spend more time on care for you - the patient.
We believe that medical decision making should be collaborative between patient and provider. As such, Ruby Therapeutics, PLLC is out-of-network with insurance providers .
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Most employer-sponsored insurance plans will reimburse you if you choose to see an out-of-network psychiatry provider. The level of reimbursement may range from 30-80% of typical visit rates, but this is different for each plan. Not all psychological services are covered by all insurance plans, and your insurance provider may only cover a small portion of our fees or none at all. The best way to get an estimate of what your financial obligation might be is to contact your insurance company directly.
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Many patients with High Deductible Health Plans (HDHP) find a direct care approach to be preferable. Even with their ‘in-network’ providers, out of pocket costs toward deductible can be high, and they opt to utilize direct care because they will pay for the full cost of service either way. We also accept HSA or FSA payment cards for all services. This allows patients to pay using pre-tax dollars. We recommend consulting with your tax advisor to see if this would benefit you.
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The billing process is to self-pay for services. You will be provided with a superbill, an itemized receipt for services rendered. The superbill is then submitted to your insurance for reimbursement. Our goal is to make this process as streamlined as possible for our patients. To this end, we have partnered with a company called Reimbursify to file claims for reimbursement with your insurance on your behalf.
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No Surprises
Health care providers are required to provide an estimate of the bill for medical services to patients who don’t have insurance or who are not using insurance
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You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. .
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If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
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Make sure to save a copy or picture of your Good Faith Estimate.
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For questions or more information about your right to a Good Faith Estimate, visit https://www.cms.gov/medical-bill-rights/know-your-rights/no-insurance.
Collaborative Fee Scale
Access to compassionate, high-quality mental health care should never be out of reach. I understand how overwhelming mental health challenges can be—especially when they’re made even more difficult by insurance limitations or financial stress. That’s why I offer a collaborative sliding scale as part of my commitment to making care more accessible. If you’re struggling to access the support you need, I encourage you to reach out to explore whether this option could be the right fit for your care.