Ruby Therapeutics

We utilize a direct care approach. This means that our practice only accepts payments from patients. We believe that a simpler approach, a basic fee for service model, lends itself to more transparency, encouraging patients to evaluate and choose the best healthcare options for them. This approach also enables your provider to spend more time on care for you - the patient.

 

We believe that medical decision making should be collaborative between patient and provider. As such, Ruby Therapeutics, PLLC is out-of-network with insurance providers .

​

Most employer-sponsored  insurance plans will reimburse you if you choose to see an out-of-network psychiatry provider. The level of reimbursement may range from 30-80% of typical visit rates, but this is different for each plan. Not all psychological services are covered by all insurance plans, and your insurance provider may only cover a small portion of our fees or none at all. The best way to get an estimate of what your financial obligation might be is to contact your insurance company directly.

​

Many patients with High Deductible Health Plans (HDHP) find a direct care approach to be preferable. Even with their ‘in-network’ providers, out of pocket costs toward deductible can be high, and they opt to utilize direct care because they will pay for the full cost of service either way.  We also accept HSA or FSA payment cards for all services. This allows patients to pay using pre-tax dollars. We recommend consulting with your tax advisor to see if this would benefit you.

​

The billing process is to self-pay for services. You will be provided with a superbill, an itemized receipt for services rendered. The superbill is then submitted to your insurance for reimbursement. Our goal is to make this process as streamlined as possible for our patients. To this end, we have partnered with a company called Reimbursify to file claims for reimbursement with your insurance on your behalf. 

​

​