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Insurance and Payment Information

Determining your insurance coverage for treatment is an important process, and it’s one that we can help you with. Policies can be difficult to interpret, and the language tends to be challenging to understand—but you do not have to communicate with your insurance company on your own.

Our experienced staff will assist you! We work with insurance companies to ensure that patients get the best possible benefits out of their policies. We can speak to them and convey all the important information at no cost to you.

Insurance Responsibility

The patient must understand that it is their responsibility as a subscriber/guarantor to know what her or his benefits are as well as if the policy is effective. Our administrative staff will make every effort to verify our client’s insurance benefits as a courtesy to our clients. None of the Tapestry Staff can be held responsible for knowing client insurance information including benefits quoted by the insurance company. The administrative office will bill your insurance and make every effort to collect payment. If all or any portion of the bill is not paid by the insurance company it is the sole responsibility of the client and/or guarantor. All uninsured or non covered charges need to be paid upon admission. For more in-depth financial information please call our office at (855) 396-2604.

Self-Pay Discount

Dealing with an eating disorder is difficult enough without having to figure out how to pay for treatment. That is why we handle working with your insurance company regarding payment. Should your policy not cover your treatment, we do offer a discount for self pay. In this case, we would still require that fees be paid prior to holding your bed. Please contact us for rates. Our main goal is to help our clients overcome their eating disorders, so we help make sure that the focus is on recovery, not how to get treatment.

Tuition and Insurance

We work directly with your insurance carrier to ensure your coverage. Mental Health Parity laws require insurance policies to treat mental health issues in the same manner as physical issues. We will provide you with all of the information you require for your peace of mind in knowing that treatment at Tapestry is fully accessible. One of our experts will verify your benefits.

Obviously, the length of stay will play a large part in determining cost. The length of the residential treatment program is a minimum of six weeks to six months. After twenty days the resident will decide, with the help of her therapist, how much longer beyond the six weeks her stay needs to be. North Carolina residents: The Mental Health Parity Act of 2008 mandates that all private insurance companies cover Anorexia and Bulimia with the same consideration as any other covered medical condition (NCGS § 58-3 –220, (c) (8) & (9)). This entitles you to be covered for inpatient Eating Disorder Treatment.

Payment Options:

Payment can be made with Visa, MasterCard or Certified Check. Payment plans available to those who qualify.What your tuition covers:The monthly cost of the program includes room and board, meals, activities, therapy, and all outings. Other Expenses: The monthly cost of Tapestry’s residential program does not include doctor’s fees, nor does it cover the cost of medications. These items may be claimed on the resident’s insurance, if applicable.

We are pleased to offer self financing options through Prosper Healthcare Lending. Please click the button below to apply online. Please enter our provider number (003441) when needed on application.

https://www.prosper.com/vib/healthcare/program_select?provider_id=003441

Insurance Terminology

Understanding insurance terminology is the first step in determining how your health insurance policy covers treatment. Here are common insurance terms that may be used to describe your policy and benefits.

In-network coverage: When a treatment provider is in-network with your insurance company, it means the rates for treatment are discounted and predetermined. This is cost-effective for all involved parties, but it also means that the choice of providers may be limited.

Out-of-network coverage: This applies to a treatment provider that does not have a predetermined contract or cost agreement with the insurance company, but people can still receive treatment with this provider. The rates will not be as discounted as they are for in-network providers, but finding a specialized facility may be worth the out-of-network rates if the in-network providers do not offer the options that a person needs for treatment.

Premium: A premium is the amount of money that people pay at regular intervals to their insurance companies. This is the individual’s contribution to his or her policy, and for those who have insurance through their employers, the premium is automatically deducted from paychecks. Employers may also contribute to this premium. Premiums are determined by what kind of coverage a person has, such as an HMO or PPO plan.

Out-of-pocket expenses: Your out-of-pocket cost is the amount of money you must pay each time you visit a doctor or rehab. These costs are usually due at the time treatment begins, but you may also be able to pay these costs a little at a time with payment plans. Out-of-pocket expenses can include deductibles, copay, and co-insurance.

Deductible: Your deductible is a annual cost amount that you must pay before insurance will begin to cover your expenses. If you have a high deductible plan, you are accepting a higher overall cost in order to have a lower premium each month. If you have a low deductible plan, your premium will be higher each month. Once the deductible amount is reached, your insurance will cover all or a certain majority percentage of your health costs.

Copay: A copay is a regular fixed cost that you pay for certain services. For example, many people pay a small copay, such as $25, each time they visit the doctor. This contributes to your overall plan and is part of your cost agreement with the insurance company. Some insurance plans do not require a copay.