Daleoworks Psychological Services, Inc., is a preferred in-network provider for several insurance companies. While we try to keep our list updated, it is best for you to initially verify if Dr. David Daleo is a Participating Provider on your insurance. As you know, there are many recent changes occurring with medical insurance. Sometimes insurance companies “carve out” mental health benefits to another insurance provider. For example, you may have an Anthem Blue Cross insurance card, but your mental health benefits are covered thru Cigna. This system can be confusing as a provider may be on Anthem Blue Cross but not Cigna, so you may believe your sessions are covered, but ultimately they are not as the provider is not on the secondary insurance. Ultimately, it is your responsiblility for payment of services if they are not covered, as with all businesses, therapy is fee for service. The following are some of the most frequently asked questions:
Answer: A deductible is a dollar amount that is your out of pocket expense before your insurance starts to pay your claims. Some deductible are small, say $250.00, some are much higher, say $8000.00. An in-network provider will bill your claims normally but you must pay the contracted amount for the service at the time of your session. Otherwise, your doctor won’t receive payment. Once your deductible is satisfied, the insurance company will pay whatever your plan benefits are. Usually that leaves a person responsible for a copayment or copay.
Answer: You are still responsible for payment at the beginning of each session or appointment. If you ever over pay, Daleoworks Psychological Services, Inc. will write you a refund check or you can choose to apply any monies to future copay credits.
Answer: A copay is the amount of money you pay every time you see a doctor. It is also referred to as “office visit”. Some insurance cards have that amount listed on the card. Sometimes a card will say “regular” or “specialist” and the copay amount will be higher for the specialist. Depending on your plan, mental health coverage may be subject to the higher “specialist” copay amount. Please call your insurance company to verify.
Answer: Payment is always due at the beginning of the session time.
Answer: No, Daleoworks Psychological Services, Inc. only accepts cash or check.
Answer: Please make your check out to Daleoworks Psychological Services, Inc.
Answer: No. On April 5th, 2013 Virginia became the 12th state to require that insurers pay for services provided through telemedicine. Clinical research shows telemedicine has the same effectiveness and outcome as traditional “face-to-face” therapy. However, and unfortunately, the State of California and insurers in the State of California forbid telemedicine for mental health unless the client signs an insurance waver and pays out of pocket for the sessions. Conducting phone sessions and billing your insurance company for such sessions is fraudulent and unethical in the State of California.
Answer: Therapy sessions are 45 minutes long.
Answer: If you are planning or know that you will be changing insurance companies, please let us know so we can assist on verifying if Dr. David Daleo will be on that panel before you make the change. Remember all insurance must be verified by you and Daleoworks Psychological Service, Inc., prior to any appointments. This is to protect the consumer as much as to ensure payment for services.
Answer: Yes, as with any financial assistance, some factors go into determining an individual cash rate. Your rate will depend on your income and expenses, and what you can afford.
Answer: Yes, Dr. David Daleo sees many celebrity clients, professional athletes and government officials during the nearly 20 years of practice.
Answer: Usually payment is not a problem, there are many different options including making payments over time. There are those exceptions, and as with any business one can encounter a person who is simply impossible to satisfy and will push all limits. This is rare. In nearly the 20 years of private practice, Daleoworks Psychological Services, Inc., has sent a handful of people to collections. Most people are mindful that therapy and medical services are not free and value their doctor’s time.