Seth Bernstein, Ph.D.
Seth Bernstein, Ph.D.
There is no charge for the initial phone screening. For all other services, my standard fee is $205 per hour, with a sliding scale available as described below.
I am on the Pacific Source, Moda, IHN/Samaritan, and Regence BlueCross BlueShield of Oregon insurance panels. Clients with these managed care plans will pay their co-pay, co-insurance, or deductible (if not met) at the time of each service. IF YOU HAVE ONE OF THESE PLANS, BRING YOUR INSURANCE CARD TO YOUR FIRST APPOINTMENT.
For clients with no insurance, insurance with inadequate coverage, or who lack the financial ability to pay for services at my standard rate ($205 per hour), the discounted charge is $125 per hour, payable in cash or by check, credit card, or PayPal at each session.
For clients who have insurance, but not through one of the companies listed above, I can bill your insurance company if you have an out of network benefit through your insurer. At the time of each service you will pay whatever your obligation is under the terms of your insurance policy. If, for example, my charge is $200 and your obligation is 50%, then you would make a payment of $200/2= $100.
Some insurance companies to NOT cover family therapy services, which is how couples therapy is billed. If you are seeking couples counseling, check with your insurance company to confirm that they cover service 90847.
I am not a Medicare provider; I am not on any Medicare Advantage plans. The regulations governing Medicare and their reimbursement rates make being a Medicare provider too difficult. I will, however, provide services to Medicare eligible individuals who will agree to pay out of pocket for services AND will sign a contract with me, as required by Medicare. Clients who have signed this contract are free to seek reimbursement through a Medigap insurer, if they have such coverage. I will provide the letter which such insurers require of providers who have "opted out."
1) If your insurance policy has a deductible, it is important that you understand how it works. If you deductible has not been met before you see me, your out of pocket expense for seeing me will be high until your deductible is met. Click here for an example.
2) Co-insurance is a different form of client obligation than a co-payment. If you are unsure of the difference, please click here to see an example of the difference.
3. Some insurance companies do NOT cover family therapy services, which is how couples therapy is billed. If you are seeking couples counseling, check with your insurance company to confirm that they cover service 90847.
For further details about my fees, cancellation policy, and other important details about how I work, please review my office policies information sheet.
Commonly Used Insurance Terms
Coinsurance: A percentage of the cost of a covered service. The provider will bill you for the amount due, if any.
Copay (also referred to as a copayment): The fixed dollar amount you pay for a covered service at the time care is provided.
Deductible: The amount you pay out-of-pocket before benefits kick in. Deductibles are usually per person and/or per family, per calendar year.
Noncovered services: Services not covered by your health plan.
Usual, customary and reasonable (UCR): Should you receive services from an out-of-network* provider, you may be liable for the difference between the health plan payment and the provider’s actual charge.