Grace Counseling & Family Services is open for appointments Monday through Thursday from 8:00 am to 5:00 pm. The majority of our therapists also offer later afternoon appointments and evening hours by appointment.

 

Please arrive 15-20 minutes before your scheduled initial appointment time to fill out paperwork and sign forms. Please be sure to bring your insurance card so a copy of it can be made for billing.

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The office manager is available to schedule appointments and answer any questions you might have regarding appointments.

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Insurance 

Most Major Carriers Accepted:

Anthem BCBS
Security Health Plan
WEA Trust
WPS
The Alliance
Multiplan EOS
Auxiant (most plans)
Badgercare /Forward Health (SHP, Anthem, CCS, Badgercare +)

Dean Health

Quartz

Sana

Group Health Cooperative of Eau Claire

Group Health Cooperative of South Central Wisconsin
Self-Pay Options Available

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Understanding Your Insurance Coverage for Outpatient Therapy 

Navigating insurance coverage for outpatient therapy can sometimes be confusing. This guide will help explain key terms and how to determine your benefits. 

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Key Insurance Terms 

• Copay – A fixed amount you pay for each therapy session. This fee is typically due at the time of service and varies by insurance plan. 

• Deductible – The amount you must pay out-of-pocket before your insurance begins covering services. For example, if your deductible is $1,000, you must pay $1,000 in medical expenses before insurance contributes to the cost. 

• Co-Insurance – After meeting your deductible, co-insurance is the percentage of costs you are responsible for. If your plan covers 80% of services, you would be responsible for the remaining 20%. 

• Out-of-Pocket Maximum – The maximum amount you will pay in a plan year for covered services. Once you reach this amount, your insurance covers 100% of costs for the remainder of the year. 

• Explanation of Benefits (EOB) – A document from your insurance company outlining what was billed, what insurance covered, and what you may owe after a service. It is not a bill but helps you understand your financial responsibility.  

 

How to Check Your Insurance Coverage 

To understand your benefits for outpatient therapy, follow these steps: 

1. Call Your Insurance Provider – Use the customer service number on the back of your insurance card.

   1. Ask about: Coverage for outpatient mental health therapy 

   2. Your copay, deductible, and co-insurance details 

   3. Any pre-authorization requirements 

   4. If your provider is in-network or out-of-network 

2. Check Your Insurance Portal – Many insurance companies offer online access to plan details, including benefits and coverage specifics. 

3. Ask Your HR Department – If you receive insurance through your employer, they may be able to assist in explaining your benefits. 

4. Consult with Our Office – We are happy to verify your benefits and provide an estimate of your expected costs. However, final coverage determinations are made by your insurance company.

 

Important Reminders 

• You are responsible for any copays, deductibles, and co-insurance amounts not covered by your insurance. 

• Benefits and coverage may change yearly. Be sure to check your plan annually. 

• Please be sure to call your insurance carrier and verify benefits prior to your first appointment. 

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