You can now chat with our billing team

You can now chat with our billing team via 2-way text message during the hours of 8am and 3pm, Monday through Friday.

Please feel free to text your billing and insurance-related questions to 248-609-6087.

Understanding Your Health Insurance

Health insurance is a signed contract with a health insurance company that requires the company to pay for some of your health care costs. That does not mean they will pay for everything. You will still have a responsibility to pay some costs.  Below is a list of common insurance terms and their definitions.


Premium: The amount you pay each month to your insurance company in order to have insurance. When you buy car insurance, for example, you pay the insurance company each month, and health insurance is the same. If you do not pay your health insurance premium, your health insurance will be cancelled.

Deductible: The amount you pay for covered health care services before your insurance plan starts to pay. Example: With a $2,000 deductible, you pay the first $2,000 of covered services yourself incremented by the amounts in which your insurance company allows for services rendered. After you meet your deductible, you usually pay only a copayment or coinsurance for covered services.

Copay: A fixed amount ($20, for example) you pay for a covered health care service after you have paid your deductible. Let's say your health insurance plan's allowable cost for a doctor's office visit is $100. Your copayment for a doctor visit is $20, your insurance should pay the remaining $80.

Coinsurance: The percentage of costs of a covered health care service you pay (20%, for example) after you have paid your deductible. Let's say your health insurance plan's allowed amount for an office visit is $105 and your coinsurance is 20%. If you have met your deductible, you woulid be responsible for paying 20% of $105, or $21

Allowed Amount: The amount that your insurance plan will pay for a specific code, based on the contract between your insurance carreier and RCBM.

In order for your visits at RCBM to be covered by your insurance, your plan must cover the visit type(s) being billed and the provider that you are seeing. RCBM staff makes every effort to verify benefits and eligiblity before a patient begins care with us, but it is recommended that patients also verify their coverage.

Deductible and coinsurance amounts change based on how each service is coded. The coding of services is based on the services rendered. For example, a visit with an M.D. will have a different allowable amount than a visit with a PhD. Furthermore, there are many different codes for the services provided at RCBM. You may notice varied "allowed amounts" for visits with the same provider, due to coding variations. Also keep in mind that insurance companies typically change their allowable amounts annually.

We know that insurance matters can be complicated and often confusing. If you have any questions about your benefits, please feel free to reach out to our billing team at: billing@rcbm.net.

Insurance Information

Brief Behavioral Assessment Billing

Many insurance plans now mandate the use of a validated assessment tool at every visit. to assess patient safety and evaluate progress. To this end, RCBM uses the PHQ-9. Your clinician will review your PHQ-9 at the time of your visit and use this data in clinical decision-making. Please note that this is a billable service, CPT code 96127, which will be submitted to your insurance company. If the code is denied or goes to your deductible, you can expect your out-of-pocket responsibility to be anywhere from $3-$8 per administration.


What insurance plans do we accept at RCBM?

Not all RCBM clinicians participate with the same insurance companies. If you have any questions about whether an RCBM clinician is on a specific insurance panel, please contact our front office, as we are happy to help in any way we can. You may also contact our billing team at 248-608-8800 x 202.


Please be aware, however, that we cannot speak for insurance companies or predict their behavior, nor are we responsible for their decisions. For this reason, it is the responsibility of the patient to call their insurance company before they come in for their first visit. During this phone call, the patient should verify their outpatient mental health benefits as well as whether or not their specific provider is in-network for their insurance plan. Please note that Medical Nutrition Therapy falls under your medical benefits and is required to be billed under our physicians.


Most RCBM clinicians participate with:

  • Aetna
  • ASR
  • Blue Cross Blue Shield
  • Carelon Behavioral Health (formerly Beacon)
  • Evernorth (formerly Cigna)
  • Health Alliance Plan
  • McLaren (plans not administered by Medicaid)
  • Priority Health


Some RCBM clinicians participate with:

  • Medicare
  • United Behavioral Health
  • United Healthcare (Plans not administered by Medicaid)


At RCBM, we do NOT participate with:

  • Blue Care Network
  • Humana
  • Medicaid
  • Tricare

Please provide current insurance information

Please make sure to provide our staff with current insurance information (email to billing@rcbm.net)

Right to a Good Faith Estimate

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t 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 for the total expected cost of services, including appointments with our medication prescribers and mental health therapists, medical nutrition therapy services, SPRAVATO treatment, and diagnostic assessments.
• Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
• If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
• Make sure to save a copy or picture of your Good Faith Estimate. 

If you are billed for more than this Good Faith Estimate, you have the right to dispute the bill.

You may contact the health care provider or facility listed to let them know the billed charges are higher than the Good Faith Estimate. You can ask them to update the bill to match the Good Faith Estimate, ask to negotiate the bill, or ask if there is financial assistance available.

You may also start a dispute resolution process with the U.S. Department of Health and Human Services (HHS). If you choose to use the dispute resolution process, you must start the dispute process within 120 calendar days (about 4 months) of the date on the original bill.

There is a $25 fee to use the dispute process. If the agency reviewing your dispute agrees with you, you will have to pay the price on this Good Faith Estimate. If the agency disagrees with you and agrees with the health care provider or facility, you will have to pay the higher amount.

For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 1-800-985-3059.