Insurance Accepted

Many insurance policies cover therapy and other mental health services. Check your plan documents or contact your insurance company directly to understand the details of your mental health benefits.

Our clinicians are credentialed with the following insurance providers:

• Aetna
• Behavior Healthcare Options EAP
• Blue Cross Blue Shield
• ChampVA
• Health Plan of Nevada
• Sierra Health and Life
• Sierra Healthcare Options
• Tricare for Life
• Tricare West
• United Healthcare
• Victims of Crime

• Call the member services number on your insurance card - ask specific questions about your mental health outpatient coverage, deductible amounts, copays, coinsurance, if there are any limits to the number of sessions for the year, and if there are any referral requirements. Checking with your insurance company is crucial to avoid unexpected costs.
• Submit a copy of the front and back of your insurance card to the Renewing Life Center office for verification. We will work on verifying your coverage and email you all the information we are quoted for services.

• Copay: A fixed amount you pay for each therapy session after your deductible (if any) is met.
• Deductible: The total amount you must pay for healthcare expenses each year before your insurance coverage begins. This can be met through therapy costs or other medical expenses.
• Coinsurance: The percentage of the cost of services you pay after meeting your deductible.

• Our office will bill the primary insurance provider first and collect any necessary copays, deductibles, or coinsurances. Once the primary has processed the session, we submit the claim to the secondary payer.
• After the secondary payer processes and pays, we are able to make the necessary adjustments. Any overpayments from the secondary payer will be paid back to the client via refund. After two sessions have been processed without incident or delay through the primary and secondary payers, we will adjust the account to reflect the secondary payment amount for all future sessions.

• In-network providers have a contract with your insurance company and typically result in lower out-of-pocket costs.
• Out-of-network providers do not have a contract with your insurance company.

• Many PPO and POS plans offer out-of-network benefits that allow for partial reimbursement. You’ll need to contact your insurance company to understand your out-of-network deductible and reimbursement percentage.
• At the Renewing Life Center, you’ll need to pay the therapist’s full fee upfront and then request a superbill from our billing department. The superbill can be used for submitting an out of network claim to your insurance provider.