We highly encourage you to verify this information with your insurance provider! You can do so by calling the member services number on the back of your insurance card.
NSPT offers complementary insurance benefits checks!
What does this insurance term mean?
Deductible – This is the amount of money you pay out-of-pocket in a year before your insurance starts paying for your healthcare expenses. After you meet your deductible, you will only need to pay your co-pay or your coinsurance, depending on your policy.
Co-Pay – This is the fixed amount of money you pay per visit after you’ve met your deductible.
Coinsurance – This is the percent of the total cost of a session you pay after you’ve met your deductible.
Pre-authorization – This is a restriction placed on certain health services by your insurance company that requires your therapist to be granted permission before your plan will cover that item. (Obtaining this doesn’t guarantee that you will receive coverage for this service.)
Referral – This is a written order from your primary healthcare provider for you to receive specialized medical services. HMO insurance plans often require one to cover certain healthcare services.
How do I pay for treatment?
When NSPT charges for a service, it’ll send the bill to your insurance provider. Once they have a chance to process it, depending on your deductible and your policy, you may need to pay part or all of the balance for the session.
NSPT requires you keep an active credit card on file, which will be charged weekly for any accrued balance. Even if you have an FSA/HSA card, you will still be required to have an active credit card on file.
You can view your billing records by setting up and logging into your CentralReach client portal.
What if I don’t have an official diagnosis?
No problem! NSPT offers testing to diagnose neurological conditions. Click here to learn more about our Neuropsychology Department!
Do you take my insurance?
The following providers are in NSPT’s network:
- Blue Cross Blue Shield
- IL PPO
- IL PPO – Blue Choice
- NorthShore HMO
- Swedish Covenant
- MultiPlan PHCS
- Tricare East
- United Behavioral Health