Frequently Asked Questions

Answers to Your Questions About Therapy

Where is your office located?

My physical office is located at

226 Chestnut Street, Suite 215
Kane, PA 16735

However, currently all sessions are being offered via telehealth, so while I will be in my office on Chestnut Street, you can be anywhere in Pennsylvania, New York, or Montana (the states where I am licensed).

Is therapy covered by my health insurance?

I am in-network with Highmark Blue Cross/Blue Shield. Plans and coverage vary significantly, and I strongly encourage you to call your insurance company to verify your benefits and any deductible or co-pay that is your responsibility prior to our first session.

What if you are not in-network with my plan?

If you have out-of-network mental health benefits with your insurance plan, you may be able to submit claims to cover a large portion of your payment after you meet your deductible (if applicable).

In this case, I will provide you with a document called a “superbill” after your payment is processed. This is basically a receipt with the specific information your insurance company needs to process out-of-network reimbursement. You will submit this directly to your insurance company and receive reimbursement directly.

What should I ask my insurance company?
  • Your coverage for outpatient mental health therapy with me and specifically for telehealth
  • The amount of your deductible and co-pay
  • Any limitations on the number of visits per calendar year
  • Your coverage for an out-of-network provider
  • The process for submitting out-of-network claims
I’d like to get started. What are the next steps?

Please call or email me to set up a time for us to talk on the phone. We’ll talk for about 20 minutes to help me understand your goals and for you to determine if my approach is a good fit for helping you grow.

I will then send you a link to complete initial forms in my HIPPA-compliant, secure patient portal before our first session.

How do I access online therapy?

If you are connecting on a desktop or laptop computer, you will receive a link the day before the session. If you are connecting on a mobile device, you will need to download the free app Telehealth for Simple Practice from the App store.

How often will we meet?

Appointments are available Monday through Thursday and select evenings.

Most often, appointments are scheduled for 55 minutes on a weekly basis. However, every person’s needs are different, and we will work together to determine a plan that is best for you.

When will I start feeling better?

Most clients notice some change for the better right away, though the scope of each person’s unique circumstances means that the amount of time to sustaining lasting change may vary.

Your active participation and willingness to raise any concerns you may have about our work together will contribute to a helpful process.

Do you recommend any books I could read between sessions?

Yes!:

  • Anchored: How to Befriend Your Nervous System Using Polyvagal Theory by Deb Dana, LCSW
  • It’s Not Always Depression by Hilary Jacobs Hendel, LCSW
  • Loving Like You Mean It: Use the Power of Emotional Mindfulness to Transform Your Relationships by Ron Frederick, Ph.D.
What are my rights and protections against surprise medical bills?

Liza Greville, LCSW Psychotherapy
226 Chestnut Street, Kane, PA 16735
(814) 389.8436 liza@lizagreville.com

FEDERAL TAX ID: 83-3057790
GROUP NPI#: 1023576741

YOUR RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLS
(OMB Control Number: 0938-1401)

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

What is “balance billing” (sometimes called “surprise billing”)?

When you see a doctor or other health care provider, you may owe certain out-of- pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.

  • “Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference betweenwhat your plan agreed to pay and the full amount charged for a service.
  • This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
  • “Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care – like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.

You are protected from balance billing for:

Emergency services: If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.

Certain services at an in-network hospital or ambulatory surgical center:
When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you isyour plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed.

If you get other services at these in-network facilities, out-of-network providers can’t balance bill you unless you give written consent and give up your protections.

You’re never required to give up your protection from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.

When balance billing isn’t allowed, you also have the following protections:

  • You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in- network). Your health plan will pay out-of-network providers and facilities directly.
  • Your health plan generally must:
    • Cover emergency services without requiring you to get approval for
      services inadvance (prior authorization).
    • Cover emergency services by out-of-network providers.
    • Base what you owe the provider or facility (cost-sharing) on what it
      would pay anin-network provider or facility and show that amount in
      your explanation of benefits.
    • Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.

If you believe you’ve been wrongly billed, you may contact:

  • Pennsylvania Insurance Department: 877.881.6388
  • New York Department of State: 800.342.3736
  • Montana Commissioner of Securities & Insurance: 800.332.6148

Visit https://www.cms.gov/files/document/model-disclosure-notice-patient-protections- against-surprise-billing-providers-facilities-health.pdf for more information about your rights under Federal law.