Understand Your
Health Insurance

Navigating healthcare coverage can be challenging. We’re here to help you understand your insurance options so you can make informed decisions and minimize unexpected costs.

In-Network vs Out-of-Network

When choosing a healthcare provider, it’s important to consider whether they are in-network with your insurance plan. In-network providers have contracts with insurers to offer services at pre-negotiated (i.e., discounted) rates, often referred to as contracted insurance.

Out-of-network providers do not have these agreements, which can result in higher costs for you as the patient. Note that ‘accepted insurance’ means the provider will submit the claim on your behalf but doesn’t guarantee in-network coverage.

Jovive Psychiatry is currently in-network with a select number of insurance providers. We are actively working to expand our insurance partnerships to better serve our patients. Contact your insurance company to confirm your coverage.

Copays

A copay is a fixed amount you pay for a specific healthcare service, typically at the time of your visit. Your copay amount is usually listed on the front of your insurance card.

When scheduling your appointment with Jovive Psychiatry, please provide your insurance details over the phone. If a copay is required, be prepared to pay it during the scheduling process or prior to your virtual visit.

Additional out-of-pocket costs may apply beyond the copay, depending on your insurance coverage and the services provided during your visit. See “how claims work” for more details on how claims are processed.

Deductible

A deductible is the amount you pay each year for eligible medical services or medications before your insurance coverage begins to contribute. For example, if you have a $1,500 annual deductible, you’ll need to pay the first $1,500 of your eligible medical expenses.

Eligible expenses that may count toward your deductible typically include visits for specialized care or treatment services. However, costs like copays, well visits, and your insurance premium generally do not apply to the deductible.

If you haven’t yet met your yearly deductible, your insurance company will not pay the claim for your visit, and you will be responsible for the full cost of services provided during your appointment.

How claims work

After your visit, Jovive Psychiatry will file a claim with your insurance company, outlining the care and services provided during your appointment. Your insurance provider will review the claim and determine the allowed amount – the maximum they will pay for covered services.

The insurance company will then notify both you and Jovive Psychiatry about how the costs are divided. You’ll receive an Explanation of Benefits (EOB) detailing what your insurance covers and what you owe.

Once Jovive Psychiatry receives the insurance payment, you’ll be billed for any remaining balance, which may include amounts applied toward your deductible or coinsurance. If you’re unable to pay the full amount by the due date, our team is available to discuss payment plan options.

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