Insurance Information

Please review the information on this page so that there are no surprises when seeking reimbursement for services from your insurance company.

You will find which questions to ask when you contact your insurance company as well as some definitions of some common insurance terms.

Insurance Companies

Please check the list of insurance companies below to make sure that Dr. Patricia Frell Moransais or Patricia Frell PsyD. P.A. is a provider for your company.

If you do not see your insurance in the list

Try to call your insurance company and ask them directly if I am a provider: many medical insurance companies subcontract their mental health coverage to outside organizations for which I am a provider.
Please also check the "Self-Pay" section below for information about my rates.

Insurance Card

You will need your insurance card for your initial appointment.

The information on your card is usually for medical insurance. It may not reflect the correct information (co-pay etc.) for mental health.

Required Information

Before your first session, please contact your insurance company and verify the following information:

Provider

Insure that Patricia Frell Moransais or Patricia Frell PsyD. P.A. is a provider.

Designated provider

Ask if your insurance company uses another insurance company for mental health management (called a designated Mental Health Provider).

Deductible

Ask for the amount of your deductible and whether this deductible has been met.

In the event that your deductible has not been met the charge per session will be the amount that Patrica Frell PsyD. P.A. has negotiated with your insurance company. The precise amount will be established prior to the initial session.

Co-Payment

Ask for what your co-payment is.

Sessions

Ask for the number of sessions which are allowed per year under your plan.

Self-Pay

The rate for a regular therapy session is $125.00 for 45 to 50 minutes.

Fee adjustments may be available.

Please call (954) 757 7564 so that we can discuss your particular situation.

I believe it is important to have a clear and complete understanding between client and therapist with regard to your financial arrangements for professional services. Therefore, your fee will be explained during your first session.

Fees are expected at the time of your consultation.

Definitions

Provider

A term commonly used by health insurance companies to designate any health care provider, whether a doctor, psychologist or nurse, a hospital or clinic.

Designated Mental Health Provider

An organization hired by a health insurance plan to provide mental health and/or substance abuse treatment services.

Co-payment

A specific charge that your health insurance plan may require that you pay for a specific medical service or supply, also referred to as a "co-pay." For example, your health insurance plan may require a $15 co-payment for an office visit or brand-name prescription drug, after which the insurance company often pays the remainder of the charges.

Deductible

The "Deductible" is the amount of money that you will have to pay out-of-pocket on health care expenses before your insurance company will start to pay for claims.
Therefore, if your deductible is $2,000.00, you will have paid for that amount in doctors visits, hospital bills and other medical or mental health expenses before your insurance begins paying for claims.