--- title: Payment FAQs date: 2025-06-18T19:49:25Z modified: 2026-09-10T21:51:23Z permalink: "https://lightheartassociates.com/payment-policies/payment-faqs/" type: page status: publish excerpt: If you have questions regarding a bill for an appointment or service, please call the Billing Team at 877-279-2415. wpid: 4013 featured_image: "https://lightheartassociates.com/wp-content/uploads/2023/02/New-Direction-Page-Header-27.jpeg" timestamp: 2026-09-10T21:51:23Z tags: [] --- ## Insurance FAQ Do you take my insurance? We are accept many major insurances. Please visit our [Insurance](/insurances/) page for a full list of insurances accepted at LightHeart Mental Health. What if my insurance is not listed or I don’t have insurance? Don’t see your insurance plan listed on our website? Reach out to our team. We can accept most plans, and your plan may be covered by one of the listed insurance providers. If your insurance is not in network with us, you can select to pay for services out of pocket. We offer self-pay rates that are discounted from the full charged amount. How do I know what services my insurance covers? If you have questions about your coverage or financial responsibility, please contact your insurance plan. How do I know how much I owe? What additional fees would I be responsible for? Depending on your coverage, you may responsible for co-pays, deductibles, co-insurance or any services that are not covered by your insurance. You can call your insurance provider to confirm your patient responsibility. No show/late cancellation fees are not covered by the insurance company and would also be your responsibility. What if I have multiple insurances? If you have multiple insurances, be sure to provide up-to-date information on all of your insurances with us. Many insurances will require their members to confirm their other coverage with them. This is called updating your Coordination of Benefits. Not updating your COB may result in delays in your claims being processed. I was asked to update my Coordination of Benefits (COB), what does that mean? If you have multiple insurances, your insurance company may require you to confirm your other coverage with them. Our billing team may also reach out to you if your insurance company informs us that a COB needs to be updated. You can update your Coordination of Benefits (COB) by calling your insurance company. What if my insurance coverage changed? Please [call your clinic](https://lightheartassociates.com/wp-content/uploads/wp-mfa-exports/page/lightheart-psychological-associates-locations.md) and provide them with your updated insurance information. ## Billing FAQ How Much Does Therapy Cost? Your out of pocket costs depend on your insurance coverage and may include deductibles, copays, and coinsurance.  Please check with your insurance company for details of your coverage. For those clients choosing to pay out of pocket for services, we offer a self pay fee schedule. To learn more, you can visit our New Client Appointment page to begin a dialogue with our Intake Coordinator. Will Insurance Pay for Treatment? Many outpatient mental health services are covered by most insurances. As a group practice, our providers are in-network with most major private insurance companies. See the insurances we accept. If you have questions about your coverage, please reach out to your insurance company. You can learn more about insurance here. Please note that patients are ultimately responsible for knowing their plan’s coverage, benefits, and costs. LightHeart Mental Health is not responsible for costs not covered by insurance. What are your Payment Policies? Please visit our [Payment Policies page](/payment-policies/) to learn more. What if I have a question about a charge on my account? For questions or statement of your account, including dates of service, charges, and payments, the fastest way to reach us is via our billing call center at [(877) 279-2415](tel:877-279-2415). You can also email our Billing Department at <patientservices@transformationsnetwork.com>. Do you offer any type of financial assistance? If you’re experiencing financial hardship and need assistance with your bills, please complete our [Financial Hardship Form](https://app.smartsheet.com/b/form/84ec96227fcd48599cbf8f2457713664). Our team will work with you to find a solution that fits your needs. How can I dispute a missed session fee? Your scheduled time is reserved for you. If you need to cancel a session or change the time, LightHeart Mental Health requires that you contact your provider at least **24 hours** prior to your scheduled appointment. If you fail to provide sufficient notice or do not show up to your appointment, **YOU WILL BE CHARGED A MISSED APPOINTMENT FEE OF $150**. This fee will not be covered by your insurance. Exceptions will be considered for illness and unavoidable emergencies. What defines a missed session? - The client not showing up or logging on **within 15 minutes** of a session’s start time. - Not joining a scheduled telehealth session **within 15 minutes** of session’s start time. - Not “attending” the session even while showing up. For example, not responding to your provider due to distractions, television, video games, etc. My credit card was charged—how can I find out what this charge was for? Please reach out to contact number located on your statement for further information on what your charge was for.