The first duty of society is justice.
~Alexander Hamilton

Information on Good Faith Estimates

Right to Receive a Good Faith Estimate

The “Good Faith Estimate” is a part of the “No Surprises Act”, which is effective as of January 1, 2022. In order to comply with the current understanding of this Act, you will receive an individualized "Good Faith Estimate" for the cost of your care, prior to the beginning of your services which will remain in effect for the full calendar year, unless a new notice is provided with updated costs.

It is the intention of Healing & Balance LLC to provide exceptional and ethical mental health and wellness services. Healing & Balance LLC is a clinic that is entirely out of network. It is a choice to remain out of network as a specialty practice focusing on integrative somatic psychotherapy and wellness. Collaboration with a primary in-network therapist happens often with clients who are seeking the specialized somatic-based treatment to augment their care plan.

 

Clients have the option of submitting their pre-paid billing statement (superbill) to their insurance for possible out of network coverage. Healing & Balance LLC does not work directly with insurance companies, all services are paid at time of service and the cost of services are shared clearly with clients ahead of time. 

If you have questions about fees or payment, please see FAQs or PAYMENT page or contact Christine Milovani, LCSW directly through Healing & Balance LLC at 608-345-1999. 

 

The following is language from the government about client or patient rights under this Act:

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

  • Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

  • Make sure to save a copy or picture of your Good Faith Estimate.

 

For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 800-985-3059 or call HHS at 800-368-1019.

Following is additional language provided by the government about balance billing, which is prohibited under the Act. Healing & Balance LLC does not engage in balance billing (surprise billing), and is not affiliated with any hospitals, emergency services care or ambulatory surgical centers. 

YOUR RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLS

(OMB Control Number: 0938-1401)

 

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

 

What is “balance billing” (sometimes called “surprise billing”)?

 

When you see a doctor or other health care provider, you may owe certain out-of-pocket costs such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.

 

“Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.

 

“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care - like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.

 

You are protected from balance billing for:

Emergency services

If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get after you are in a stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.

 

Certain services at an in-network hospital or ambulatory surgical center

When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections to not be balance billed.

 

If you get other services at these in-network facilities, out-of-network providers can’t balance bill you unless you give written consent and give up your protections.

You’re never required to give up your protection from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.

When balance billing isn’t allowed, you also have the following  protections:

 

  • You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.

 

  • Your health plan generally must:

 

  • Cover emergency services without requiring you to get approval for services in advance (prior authorization).

 

  • Cover emergency services by out-of-network providers.

 

  • Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.

 

  • Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.

 

If you believe you’ve been wrongly billed, you may contact the No Surprises Help Desk at 800-985-3059 or State of WI DSPS at 608-266-2112 or HHS at 800-368-1019. You may also obtain more information about your rights under federal law at www.cms.gov/nosurprises.

 

Visit https://www.cms.gov/files/document/model-disclosure-notice-patient-protections-against-surprise-billing-providers-facilities-health.pdf for more information about your rights under Federal law.