2. What does it mean to be in-network?
"In-network" means that clinicians and health insurance providers have signed a contract and have agreed to a rate for services. Clinician profile pages indicate if they are in-network with BCBS PPO and Medicare.
In some cases, your behavioral health benefits may be covered by a third-party vendor. This means that while your medical benefits may be covered under BCBS PPO, your behavioral health benefits may be covered by another provider (i.e. United Behavioral Health, Magellan, Compsych, etc.) and would be considered out-of-network.
3. What does it mean to be out-of-network?
"Out-of-network" means that clinicians and health insurance providers have not signed a contract and have not agreed to a rate for services. This does not necessarily mean that behavioral health services are not covered by your health insurance provider.
Health insurance providers such as Aetna, Cigna or United Healthcare consider services received at The Family Institute as out-of-network. Additionally, if you have BCBC PPO, but are seeing a clinician not on the BCBS PPO panel (BCBS is not listed on their profile page), services are considered out of network.
Specifics of out-of-network benefits for behavioral health vary greatly by insurance plan. We encourage you to contact your health insurance provider and inquire about your out-of-network benefits for behavioral health.