Verifying Insurance Benefits
Services may be covered in full or in part by your health insurance or employee benefit plan. Please check your coverage carefully by asking the following questions:

• Do I have mental health insurance benefits?
• What is my deductible and has it been met?
• How many sessions per year does my health insurance cover?
• What is the coverage amount per therapy session?
• Is approval required from my primary care physician?

Prior to your appointment, as a courtesy T.L.C. will obtain information about your co-payment, any remaining deductible you may have for the year, and secure authorization for the recommended outpatient services.  HOWEVER, it is your responsibility to be aware of your insurance coverage.  PLEASE BE AWARE, YOU ARE FINANCIALLY RESPONSIBLE FOR THE SERVICES YOU RECEIVE, in the event that insurance denies or rejects the claims T.L.C. submits on your behalf.

Tranformative Life Center clinicians currently participate on the following managed-care panels. Again, please verify with your insurance company prior to scheduling your appointment. There may be other companies that are not listed below that will provide out-of-network benefits to cover TLC services.

ALL PPO Insurance
Aetna - www.aetnabehavioralhealth.com (Dr. LeDay, Alexandra Dean, Kimberly Kraut, Laura Fensterstock)
Bell South (Kimberly Kraut)
Blue Cross/Blue Shield - www.bcbsnc.com (Dr. LeDay, Christine Smeltz-Zapata, Kimberly Kraut, Alexandra Dean, Laura Fensterstock, Laurie Jachym)
Carolinas Behavioral Health Alliance -  www.cbhallc.com (Dr. LeDay, Alexandra Dean, Kimberly Kraut, Laurie Jachym)
Cigna Behavioral Health - www.cignabehavioral.com (Dr. LeDay, Alexandra Dean, Kimberly Kraut, Melissa Tate)
Humana (Dr. LeDay, Kimberly Kraut)
Magellan - www.megallanhealth.com/mbh/index.htm 
Medcost -www.medcost.com  (Dr. LeDay, Alexandra Dean, Kimberly Kraut, Laurie Jachym)
Medicaid - www.cms.gov/home/medicaid.asp (Dr. LeDay, Christine Smeltz-Zapata, Laura Fensterstock, Laurie Jachym)
Medicare - www.medicare.gov (Dr. LeDay, Kimberly Kraut, Laurie Jachym)
Partners (Kimberly Kraut)
TriCare - www.mytricare.com (Dr. LeDay, Alexandra Dean, Kimberly Kraut, Laurie Jachym)
United Behavioral Health - www.unitedbehavioralhealth.com (Dr. LeDay, Laura Fensterstock)
Wellpath / Coventry - www.chcnorthcarolina.coventryhealthcare.com (Dr. LeDay, Kimberly Kraut)

Rates
Are determined individually for each provider and are based upon experience and licensure level.  Rates will be discussed with you prior to your appointment and are reviewed in our office policies. Payment, either in full or a co-payment (if insurance coverage is established) is expected at the time of service.

Cancellation Policy
If you do not show up for your scheduled therapy appointment, and you have not notified us at least 24 hours in advance, you will be billed $60.00 for the missed appointment. This cost can not be submitted to your insurance company.

Schedule Online
Request a therapy appointment online .

Contact
Questions? Please contact us for further information.