Insurance and Copays

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 from your insurance company. Note that often times insurance companies do not update their list, if you are in doubt, contact us, we will do our best to help. As you know, there are many recent changes occurring with medical insurance and managed care. 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:

Question: What is a deductible and why must I pay it?

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.

Question: What if I am seeing multiple doctors and I think my deductible is satisfied, do I still need to pay you or can I wait until the billing is complete?

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.

Question: What is a copay?

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.

Question: When is payment due?

Answer: Payment is always due at the beginning of the session time.

Question: Do you accept credit cards?

Answer: Yes, Daleoworks Psychological Services, Inc. accepts cash, check, credit cards, venmo, and cash app.

Question: Who do I make my check out to?

Answer: Please make your check out to Daleoworks Psychological Services, Inc.

Questions: Can I do a phone session or any Video Teleconference Sessions for insurance?

Answer: Yes, but you must verify with your individual insurance provider what is covered. Clinical research in telehealth or telemedicine show telemedicine has the same effectiveness and outcomes as traditional “face-to-face” therapy.

Question: How long are the therapy sessions with a clinical psychologist?

Answer: Therapy sessions are 45 minutes long.

Question: What if I start seeing a provider at Daleoworks Psychological Services, Inc., and change insurance

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.

Question: Do you offer a sliding scale if I do not have insurance or don’t wish to use my insurance?

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.

Question: Does Daleoworks offer VIP accomodations?

Answer: Yes, Dr. David Daleo sees many celebrity clients, influencers, professional athletes and government officials as well as anyone choosing to elect for VIP special concierge services. Please contact Dr. David Daleo if you are interested in VIP concierge service.

Question: What if I decide I don’t want to pay my balance ?

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 over 20 years of private practice, Daleoworks Psychological Services, Inc., has sent only a handful of people to collections. Most people are mindful that therapy and medical services are not free and value their doctor’s time.