Note: although I work with BCBS, I am not a provider for their HMO, which is known as Blue Care Network.
If your insurance is one that I work with, this means you pay only your copay (or co-insurance) at the time of service, once your deductible has been met. I bill in-network insurances directly (and electronically) and then the carrier reimburses my office at the contracted rate.
Out-of-network If it turns out your insurance is not one that I work with, you may still be eligible for what are known as "out-of-network" benefits. Essentially this means your insurance company will reimburse you but at a lower rate. Note, however, that under this arrangement you must pursue reimbursement on your own. I provide what's known as a "super-bill" that has the required information on it, and you submit it to your carrier.
Self-pay Many people choose to pay for therapy strictly out-of-pocket. My fees are competitive with other psychologists and therapists in the west Michigan area. They are $160 for the first session (Initial Assessment), and $130 for all sessions thereafter (standard therapy sessions).
Accepted forms of payment are cash, check, credit card, and HSA card.