Effective January 1, 2022, a ruling went into effect called the “No Surprises Act” which requires practitioners to provide a “Good Faith Estimate” for any non-insured, self-pay and out-of-network clients (who are not submitting to insurance provider for reimbursement). The Good Faith Estimate works to show the cost of items and services that are reasonably expected for your health care needs for an item or service, a diagnosis, and a reason for therapy. The estimate is based on information known at the time the estimate was created. The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. You could be charged more if complications or special circumstances occur and will be provided a new “Good Faith Estimate” should this occur. If you do not receive an updated Good Faith Estimate or are not informed of the increase in charges, federal law allows you to dispute (appeal) the bill.
Under Section 2799B-6 of the Public Health Service Act (PHSA), health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request, or at the time of scheduling health care items and services to receive a “Good Faith Estimate” of expected charges.
Note: The PHSA and GFE does not currently apply to any clients who are using insurance benefits, including “out of network benefits (i.e.., submitting superbills to insurance for reimbursement).”
Practitioners are required to provide a Good Faith Estimate of expected charges for a scheduled or requested service, including items or services that are reasonably expected to be provided in conjunction with such scheduled or requested item or service within specified timeframes:
- If the service is scheduled at least 3 business days before the appointment date, no later than 1 business day after the date of scheduling.
- If the service is scheduled at least 10 business days before the appointment date, no later than 3 business days after the date of scheduling.
- If the uninsured or self-pay client requests a Good Faith Estimate (without scheduling the service), no later than 3 business days after the date of the request. A new good faith estimate must be provided, within the specified timeframes if the client reschedules the requested item or service.
Common Services at Koziol Therapy and Coaching
- 90791 – Intake Assessment/Biopsychosocial Diagnostic Evaluation (approx. 55 minutes)
- 90837 – Individual Psychotherapy Sessions (approx. 55 minutes)
- 90847 – Family Psychotherapy Sessions w/ Client Present (approx. 50 minutes)
- 90846 – Family Psychotherapy Sessions w/o Client Present (approx. 50 minutes)
- 90853 – Group Psychotherapy – not Family (approx. 45 minutes)
- 90839/90840 – Crisis Sessions (used when clinically appropriate/necessary 60-90+ minutes)
We recognize that every client’s therapy journey is unique. Therefore, the length of treatment is based on a myriad of factors, including, but not limited to:
- Your schedule and life circumstances
- Therapist availability
- Ongoing life challenges
- The nature of presenting concerns
- Personal finances
You and your therapist will continually assess the appropriate frequency of therapy sessions and will work together to determine when you have met your goals and are ready for discharge and/or a new “Good Faith Estimate” will be issued should your frequency or needs change.
Koziol Therapy and Coaching location
2804 W BELMONT AVE
Suites 101B, 101C, 103, 104, 105
Chicago, IL 60618
The No Surprises Act requires that we provide you with a diagnosis prior to the initial session. Please note that this is not a formal psychological diagnosis. A formal diagnosis occurs after an assessment has been completed.
Good Faith Estimate Disclaimers
This Good Faith Estimate shows the costs of items and services that are reasonably expected for your health care needs for an item or service. The estimate is based on information known at the time the estimate was created.
The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. You could be charged more if complications or special circumstances occur. If this happens and you do not receive an updated Good Faith Estimate, federal law allows you to dispute (appeal) the bill.
If you are billed for more than your Good Faith Estimate reflects, you have the right to dispute the bill.
You may contact the health care provider or facility listed to let them know the billed charges are higher than the Good Faith Estimate. You can ask them to update the bill to match the Good Faith Estimate, ask to negotiate the bill, or ask if there is financial assistance available.
You may also start a dispute resolution process with the U.S. Department of Health and Human Services (HHS). If you choose to use the dispute resolution process, you must start the dispute process within 120 calendar days (about 4 months) of the date on the original bill.
There is a $25 fee to use the dispute process. If the agency reviewing your dispute agrees with you, you will have to pay the price on this Good Faith Estimate. If the agency disagrees with you and agrees with the health care provider or facility, you will have to pay the higher amount.
To learn more and get a form to start the process, go to www.cms.gov/nosurprises or call 800-985-3059. For questions or more information about your right to a Good Faith Estimate or the dispute process, visit www.cms.gov/nosurprises or call 800-985-3059.
Keep a copy of your Good Faith Estimate in a safe place or take pictures of it. You may need it if you are billed a higher amount.