Payment

1. In-Network Commercial Insurance

To make your care as accessible as possible, we accept a wide variety of insurance plans. Depending on your carrier, we process and submit these claims in one of two ways—either directly through our practice's billing system or through our secure administrative billing partner, Headway.

Directly In-Network (Billed Directly by Scissortail)

For these plans, we manage all eligibility checks, pre-authorizations, and claim submissions directly. You will see all invoices and Explanations of Benefits (EOBs) processed directly under Scissortail Therapy Collective, PLLC:

• Blue Cross Blue Shield of Oklahoma (BCBSOK) — Active / In-Network

• HealthChoice of Oklahoma — Active/ In-Network

• Healthcare Highways & Oklahoma Health Network (OHN) — Coming Soon (Contracting & Credentialing in Progress)

In-Network via Headway

We partner with Headway to manage the credentialing and claims administration for several commercial insurance networks. If you use one of the plans below, your benefits will be verified, and your clinical claims will be processed through our secure Headway portal:

• Aetna

• Ascension (Smart Health)

• Carelon Behavioral Health

• Cigna

• Curative (OK)

• Horizon Blue Cross and Blue Shield of New Jersey

• Independence Blue Cross of Pennsylvania (Virtual/Telehealth Network)

• Providence Health Plan

Please note: For all insurance pathways, your specific copays, coinsurance, and deductibles are determined solely by your individual insurance plan. Any out-of-pocket client responsibility will be automatically processed on your secure card on file once your insurance carrier has processed the claim.

2. Out-of-Network & Superbilling

If you have an insurance provider not listed above, you may still be able to utilize your out-of-network behavioral health benefits.

• What is a Superbill? Upon request, we will provide you with a Superbill at the end of each month. This is a detailed, clinically coded medical receipt that you can submit directly to your insurance company to request out-of-network reimbursement.

• Verify Your Benefits: Because out-of-network benefits vary widely, reimbursement is not guaranteed. We strongly recommend calling the member services number on the back of your insurance card to verify your specific "out-of-network outpatient mental health benefits" prior to your first session.

3. Government Programs (Medicare, Medicaid & SoonerCare)

To maintain our commitment to community accessibility, Scissortail Therapy Collective allocates a capped percentage of our caseload to Medicare and SoonerCare/Medicaid clients.

• Current Availability: To ensure our practice remains financially sustainable, our government-payer slots are capped at a designated maximum of active clients across our group.

🕒 24-Hour Cancellation & No-Show Policy

We reserve your session time specifically for you. If you need to cancel or reschedule, a minimum of 24 hours' notice is required.

• Late cancellations (less than 24 hours' notice) and missed appointments/no-shows will be charged the full session fee of your scheduled service (either $140.00 or $200.00).

• Please note: Insurance policies do not cover or reimburse fees for missed or late-canceled appointments; these are entirely the responsibility of the client.

🛡️ Your Right to a Good Faith Estimate (No Surprises Act)

Under the law, healthcare providers must give clients who do not have insurance or who are not using insurance an estimate of the bill for medical items and services.

• You have the right to receive a Good Faith Estimate in writing for the total expected cost of any non-emergency items or services, including therapy sessions.

• You can ask your therapist for a Good Faith Estimate before you schedule any service.

• If you receive a bill that is at least $400 more than your Good Faith Estimate, you have the legal right to dispute the bill under federal guidelines.

• For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.