Joseph A. Williams, LCSW may be an approved provider for your
Please call your
insurance company to find out if outpatient counseling (also know as....outpatient mental health
services) are a covered service and if Joseph Williams, L.C.S.W.(a Clinical Social Worker) in
Mayfield, KY is a covered
provider. Also find out what your deductible will be, your co-pay, your cost share, and get a
If you choose for your insurance company to pay for your services, your
counselor will be required to report a clinically significant mental health diagnoses to them. On
rare occasions, your insurance company may audit your counselor's records to see that your
treatment was necessary for the reported diagnoses. If the auditor believes that treatment was
may deny payment for services. If the insurance refuses to pay for services, the client must pay in
for all services provided.
Your insurance statement/explanation of benefits (EOB) may read "negotiated rate", what
it should actually read is "maximum rate your insurance has decided it will pay." Your insurance
may tell you that their rates were negotiated with the provider. That is not
true. Their rates are
actually non-negotiable. Mr. Williams (the provider) attempted to negotiate rates in 2007 with
eight insurance companies. All eight
insurance companies refused to negotiate rates. They told Mr. Williams that they set the
every 1-3 years and the provider can either take them and be in network or refuse them and be
out of network. Even if the provider is out of network, insurance companies still set the
maximums they are
willing to pay for a service. Another factor is that some insurance companies set the out of
deductibles so high that rarely would anyone receive any benefits for counseling if Mr. Williams
was out of network. So Mr. Williams decided to stay in the network to benefit the clients he serves.
If you have a medical (flex) spending account or a (HSA)health savings account, you can be
reimbursed for counseling expenses.
Counseling is classified as a medical expense. Mr. Williams will be glad to provide you with a
receipt so you can obtain reimbursements.
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