FAQs
Do you take my insurance?
1
If your plan is among our listed carrier, we bill directly and you pay your copay or coinsurance. If it isn't, you can use out-of-network benefits through a superbill, or choose private care.
What's the difference between a copay, coinsurance, and a deductible?
2
A deductible is the amount you pay out of pocket each year before your plan starts contributing. A copay is a flat per-visit amount ([$25], [$40], whatever your plan sets). Coinsurance is a percentage of the fee you're responsible for after your deductible is met, if your plan covers 70%, your coinsurance is the remaining 30%. Plans use these in different combinations, which is why two people with "the same insurance" can pay very different amounts.
For most plans, yes, parity for telehealth is now standard, and we bill it with the same codes plus a telehealth modifier. A minority of plans still treat it differently. Ask your carrier specifically about outpatient behavioral telehealth.
Is telehealth covered the same as in-person?
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Superbilling?
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If we're not in-network with your insurance, you can still use the out-of-network benefits you've been paying for. You pay our fee at the time of service, we provide a superbill, which is an itemized receipt containing everything your carrier needs to process a claim, and you submit it for reimbursement directly to you. Most plans reimburse a portion of the fee once your out-of-network deductible has been met.
Kintsugi Cognitive is a private practice by design. Our clinicians and professionals work with a select group of carriers, but we don't build the practice around insurance contracts, because contracting shapes the care we provide. Being in-network means a third party sets the number of sessions you're entitled to, decides what diagnosis justifies them, and determines when you're finished, and is often reviewed by someone who has never met you.
Superbilling, however, keeps that decision with you. You still access your benefits and still get reimbursed. What changes is that your treatment is directed by your goals and our clinical judgment rather than by what a claims reviewer will authorize, at the depth and pace the work actually requires.
What exactly is a superbill?
5
An itemized receipt built specifically for insurance. It contains your name and date of birth, your clinician's name, license number, NPI, and tax ID, the practice address, each date of service, the CPT procedure code describing what the session was, the diagnostic code, the fee charged, and confirmation that you paid it. That's everything a carrier needs to adjudicate an out-of-network claim.
Ask. We hold a limited number of reduced-fee slots and we'd rather have a direct conversation about money than have you quietly decide this isn't for you. If we genuinely can't accommodate you, we'll refer you to someone who can, we maintain relationships with clinicians and community programs across San Antonio, Boerne, and Austin, and we'd rather see you well cared for elsewhere than not at all.
What if I can't afford either option?
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Cancellation policy
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Your appointment time is reserved for you and held against other requests. We ask for [24 / 48] hours' notice to change or cancel; appointments cancelled with less notice are charged [Half / $XXX].