Insurance Guide

An Insurance Guide

The Koch Center is an out-of-network outpatient provider and does not contract directly with insurance companies.  We have instead chosen to direct our efforts toward excellence in clinical treatment.
We are able to help assist you in dealing with your insurance company.  Therefore, we have put together this help-sheet in hopes that it will make the navigation process easier.
  1. Payment is made directly to the Koch Center at the time of service.  We immediately give you a statement to submit to your insurance company for reimbursement under your out-of-network insurance benefits.
  1. It is important for you to call your insurance company in advance so that you will be clear about what your out-of-network benefits are.  You should also find out if you need any preauthorization for treatment.  We need you to let us know if we/your clinician needs to do anything to facilitate preauthorization or ongoing authorization.
  1. Most insurance companies have different pools of benefits for inpatient vs. outpatient treatment.  Additionally, some insurance companies will “flex” your inpatient benefit to pay for outpatient treatment.  For example:  You may have 30 days of unused inpatient benefits and no more outpatient benefits.   It is possible that your insurance company will count each day of inpatient benefit as 3 days of outpatient treatment.  PLEASE REMEMBER:  All insurance companies are different.  There is no standard.  You must ask about each specific benefit.
  1. If you have any questions about insurance and treatment at The Koch Center, please feel free to call or email us.  We are glad to answer any questions and to help guide you in this process.