Financial clarity, without the hurdles.
At Wave Treatment Centers, we know that the path to wellness is deeply personal—and we believe that financial clarity shouldn’t be a hurdle on that journey. That’s why we’re committed to being transparent about our fees and how insurance comes into play. Here’s what you need to know:
Our fee structure
Our fees vary, depending on both the clinician you’ll be seeing and the specific service you require. If you have any questions about our fees, don’t hesitate—reach out to us. We’re here to help clarify any uncertainties you might have. We will provide you with a current fee schedule at the time of scheduling your initial appointment. We also review the cost of additional services as they are recommended and if they are covered by insurance.
Navigating insurance
To keep our standards high and our care personal, Wave Treatment Centers is an out-of-network provider. In plain terms: we don’t participate in any insurance network and we don’t bill insurance directly — payment is due at the time of service. We’re also not able to work with Medicaid or HMO plans. If you have a PPO plan with out-of-network benefits, though, you can often recover a meaningful portion of what you pay — and we make that process simple.
Have a PPO plan?
You likely have out-of-network benefits. While we don’t “take” insurance, what you pay still applies to your out-of-network deductible — and once that deductible is met, your plan typically reimburses you a percentage of every fee. These reimbursements are common, and they add up quickly on higher-cost treatments like TMS.
How out-of-network reimbursement works:
- You pay at the time of service: You pay our fee directly. Because we don’t bill insurers, there are no network restrictions, prior-authorization battles, or delays in your care.
- We hand you the paperwork: For PPO patients, we provide an itemized superbill with the billing (CPT) codes your insurer needs — and we help you submit the claim.
- It counts toward your deductible: What you pay is credited toward your plan’s out-of-network deductible until that deductible is met.
- Your plan reimburses you: After your deductible is met, your insurer typically pays you back a percentage of each fee. The exact amount depends on your plan — but it can be substantial, especially for treatments like TMS.
Every plan is different, so we can’t guarantee a specific reimbursement amount — but we’re glad to help you understand your benefits before you begin.
A simple guide to get started
Want to know what to expect from your PPO plan? Insurance can be confusing — here’s a simple guide to get you started:
- 1 Call your insurance provider. The number is usually on the back of your insurance card.
- 2 Ask about out-of-network coverage. Specifically, ask what percentage is covered for “out-of-network” or “non-participating providers.”
- 3 Get the details. Ask about the “maximum allowed amount” per session for these services. We can provide the common CPT (billing) codes we use.
- 4 Check your deductible. Find out whether you have an out-of-network deductible, how much it is, and how much has already been applied.
Navigating insurance can be daunting, but you’re not alone. We’re here to assist you every step of the way, so you can focus on what truly matters — your well-being.
Feel free to reach out for more information or to schedule your first appointment. Your journey to wellness is important to us, and we’re committed to making it as smooth as possible.
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