Tag Archives: insurance

Apex Insurance Info

 

Apex Behavioral Health is not in network with most state insurances.

  • The only state insurance we accept is Total Health Care.
  • We do NOT accept Great Lakes insurance. Great Lakes has us listed as a network provider but we are NOT in network with them – this applies to Great Lakes under United Behavioral Health.
  • We are not a Bluecaid provider.

In regards to Medicare:

  • Medicare covers 50% of an office visit.
  • For an initial doctor visit, the cost would be $80.25. A follow-up visit will be $26-28.
  • While we are not a Medicaid provider, we do accept a secondary Medicaid insurance provided you are in network with Medicare.
  • Medicaid will pay for doctor’s visits, but therapy is not covered.
  • The first therapy visit is $60.19, with the follow-ups costing $49.15.

In relation to low fee costs:

  • The first doctor’s visit is $125, second visits are $55.
  • Therapy visits are $90, second visits are $70.
  • All co-pays are due at the time services are rendered, and we do not have a sliding pay scale.
  • If you have a large deductible that it seems unlikely you will ever meet, consider switching to the low fee scale.

Other notable insurance facts:

  • We are in network in HAP, but not Henry Ford HAP.

Please leave a comment with any further questions you may have!

Talk doesn’t pay, so psychiatry turns to drug therapy

Via the New York Times

Doylestown, PA – Alone with his psychiatrist, the patient confided that his newborn had serious health problems, his distraught wife was screaming at him and he had started drinking again. With his life and second marriage falling apart, the man said he needed help.

But the psychiatrist, Dr. Donald Levin, stopped him and said: “Hold it. I’m not your therapist. I could adjust your medications, but I don’t think that’s appropriate.”

Like many of the nation’s 48,000 psychiatrists,  Dr. Levin, in large part because of changes in how much insurance will pay, no longer provides talk therapy. Instead, he prescribes medication after a brief consultation with each patient. So Dr. Levin sent the man away with a referral to a less costly therapist.

Dr. Levin, 68, first established a private practice in 1972, when talk therapy was in its heyday. Like many psychiatrists, he treated 50 to 60 patients in once- or twice-weekly talk-therapy sessions of 45 minutes each. Now, like many of his peers, he treats 1,200 people in mostly 15-minute visits for prescription adjustments that are sometimes months apart.

Then, he knew his patients’ inner lives better than he knew his wife’s; now, he often cannot remember their names. Then, his goal was to help his patients become happy and fulfilled; now, it is just to keep them functional.

Dr. Levin has found the transition difficult. He now resists helping patients to manage their lives better. “I had to train myself not to get too interested in their problems,” he said, “and not to get sidetracked trying to be a semi-therapist.”

A 2005 government survey found that just 11 percent of psychiatrists provided talk therapy to all patients. Apex Behavioral Health provides both psychiatry (medication management) and psychologists (counseling) to our clients. Clients are able to see both the psychiatrist and therapist in the same building; often, our psychiatrists will refer their patient to a therapist and vice versa.

Recent studies suggest that talk therapy may be as good as or better than drugs in the treatment of depression, which is why it is really beneficial to see a therapist. Insurance company reimbursement rates and policies that discourage talk therapy are part of the reason. A psychiatrist can earn $150 for three 15-minute medication visits compared with $90 for a 45-minute talk therapy session.

Competition from psychologists and social workers — who unlike psychiatrists do not attend medical school, so they can often afford to charge less — is the reason that talk therapy is priced at a lower rate.

Of course, there are thousands of psychiatrists who still offer talk therapy to all their patients, but they care mostly for the worried wealthy who pay in cash. In New York City, for instance, a select group of psychiatrists charge $600 or more per hour to treat investment bankers, and top child psychiatrists charge $2,000 and more for initial evaluations.

When he started in psychiatry, Dr. Levin kept his own schedule in a spiral notebook and paid college students to spend four hours a month sending out bills. But in 1985, he started a series of jobs in hospitals and did not return to full-time private practice until 2000, when he and more than a dozen other psychiatrists were shocked to learn that insurers would no longer pay what they had planned to charge for talk therapy.

“At first, all of us held steadfast, saying we spent years learning the craft of psychotherapy and weren’t relinquishing it because of parsimonious policies by managed care,” Dr. Levin said. “But one by one, we accepted that that craft was no longer economically viable. Most of us had kids in college. And to have your income reduced that dramatically was a shock to all of us. It took me at least five years to emotionally accept that I was never going back to doing what I did before and what I loved.”

He could have accepted less money and could have provided time to patients even when insurers did not pay, but, he said, “I want to retire with the lifestyle that my wife and I have been living for the last 40 years.”

“Nobody wants to go backwards, moneywise, in their career,” he said. “Would you?”

Dr. Levin would not reveal his income. In 2009, the median annual compensation for psychiatrists was about $191,000, according to surveys by a medical trade group.

Dr. Louisa Lance, a former colleague of Dr. Levin’s, practices the old style of psychiatry from an office next to her house. She sees new patients for 90 minutes and schedules follow-up appointments for 45 minutes. Therapists at Apex Behavioral Health see clients for 45 minutes to an hour. Everyone gets talk therapy. Cutting ties with insurers was frightening since it meant relying solely on word-of-mouth, rather than referrals within insurers’ networks, Dr. Lance said, but she cannot imagine seeing patients for just 15 minutes. She charges $200 for most appointments and treats fewer patients in a week than Dr. Levin treats in a day.

“Medication is important,” she said, “but it’s the relationship that gets people better.”

Dr. Levin’s initial efforts to get insurers to reimburse him and persuade his clients to make their co-payments were less than successful. His office assistants were so sympathetic to his tearful patients that they often failed to collect. So in 2004, he begged his wife, Laura Levin — a licensed talk therapist herself, as a social worker — to take over the business end of the practice.

Ms. Levin created accounting systems, bought two powerful computers, licensed a computer scheduling program from a nearby hospital and hired independent contractors to haggle with insurers and call patients to remind them of appointments. She imposed a variety of fees on patients: $50 for a missed appointment, $25 for a faxed prescription refill and $10 extra for a missed co-payment.

As soon as a patient arrives, Ms. Levin asks firmly for a co-payment, which can be as much as $50. She schedules follow-up appointments without asking for preferred times or dates because she does not want to spend precious minutes as patients search their calendars. If patients say they cannot make the appointments she scheduled, Ms. Levin changes them.

“This is about volume,” she said, “and if we spend two minutes extra or five minutes extra with every one of 40 patients a day, that means we’re here two hours longer every day. And we just can’t do it.”

She said that she would like to be more giving of herself, particularly to patients who are clearly troubled. But she has disciplined herself to confine her interactions to the business at hand. “The reality is that I’m not the therapist anymore,” she said.

Ms. Levin, 63, maintains a lengthy waiting list, and many of the requests are heartbreaking. On a January day, a pregnant mother of a 3-year-old called to say that her husband was so depressed he could not rouse himself from bed. Could he have an immediate appointment? Dr. Levin’s first opening was a month away.

“I get a call like that every day, and I find it really distressing,” Ms. Levin said. “But do we work 12 hours every day instead of 11? At some point, you have to make a choice.”

Initial consultations are 45 minutes, while second and later visits are 15. At Apex, initial consultations are 30 minutes, while the second visits are also 15 minutes. In those first 45 minutes, Dr. Levin takes extensive medical, psychiatric and family histories. He was trained to allow patients to tell their stories in their own unhurried way with few interruptions, but now he asks a rapid-fire series of questions in something akin to a directed interview.

In 15-minute consultations, Dr. Levin asks for quick updates on sleep, mood, energy, concentration, appetite, irritability and problems like sexual dysfunction that can result from psychotropic medications.

“And people want to tell me about what’s going on in their lives as far as stress,” Dr. Levin said, “and I’m forced to keep saying: ‘I’m not your therapist. I’m not here to help you figure out how to get along with your boss, what you do that’s self-defeating, and what alternative choices you have.’ ”

Dr. Levin said that the quality of treatment he offers was poorer than when he was younger. For instance, he was trained to adopt an unhurried analytic calm during treatment sessions. “But my office is like a bus station now,” he said. “How can I have an analytic calm?”

And years ago, he often saw patients 10 or more times before arriving at a diagnosis. Now, he makes that decision in the first 45-minute visit. “You have to have a diagnosis to get paid,” he said with a shrug. “I play the game.”

In interviews, six of Dr. Levin’s patients — their identities, like those of the other patients, are being withheld to protect their privacy — said they liked him despite the brief visits. “I don’t need a half-hour or an hour to talk,” said a stone mason who has panic attacks and depression and is prescribed an antidepressant. “Just give me some medication, and that’s it. I’m O.K.”

Dr. Levin expressed some astonishment that his patients admire him as much as they do.

“The sad thing is that I’m very important to them, but I barely know them,” he said. “I feel shame about that, but that’s probably because I was trained in a different era.”

What to Expect at Your First Visit

What to expect at your first appointment:

Overall, your initial appointment will be with one of our social workers or psychologists. He or she will ask you a serious of questions to gain an understanding of your problems and what resources you use to help with  your problems. Along with those, he will also ask what barriers you may have that may be preventing from you from solving your problems.

You will develop a treatment plan with your therapist. Your therapist will also review with you whether medication would assist you in your treatment, and if so, would reccomend for you to see a psychiatrist.

Length of time in treatment depends on individual circumstances. Your therapist will  review and develop this with you, along with what progress you will have and approximately when you should feel progress.

Difference between Mental Health professionals

A psychiatrist is a medical doctor with additional training in the treatment of mental health and chemical dependency problems.

Psychologists have a masters or doctorates degree in psychology with a minimum of two years experience and are called limited licensed psychologist of licensed psychologists.

Social workers have a masters degree in social work with a minimum of two years experience.

What mental health professional you will see depends on your problem areas. We will match you with a mental health professional who has the most expertise to help you.  

Co-pays and deductibles

A majority of insurance companies require you to contribute to the cost of your care. A deductible is a dollar amount you are required to pay before your insurance begins to pay Apex Behavioral Health for your care. A co-pay is the amount you are required to pay in addition to what the insurance company pays Apex.

We require that you pay your deductible or co-pay on the day we provide service. We have found that this prevents large balances from accumulationg that could cause you stress.

For your convenience we accept cash, checks, Visa, MasterCard, American Express, and Discover. Please bring your insurance card and drivers license to the first appointment.

Changing therapist or psychiatrist

We try to match you with a therapist or psychatrist who will best help you with your problems. If it is not a good match you can request that support staff schedules your appointment with a different mental health professional. It is encouraged that you discuss this with your therapist or psychiatrist first.

Will my family be involved?

Whether or not your family is involved depends on your unique situation. We always involve parents in treatments of children. We encourage family involvement but ultimately this is to be discussed with your therapist.

 Confidentiality

What you tell us is held in the utmost confidence. Both state and federal law  protects your confidentiality. You must sign a release of information to  allow us to share information about you.