I am an in network provider for the following insurance plans:
Aetna (note: I am NOT in network with the Mt. Carmel Trinity plan)
Anthem - **Blue Connection HMO ONLY**
First Health/Cofinity/First Choice
Medical Mutual of Ohio (note: if the employer is State of Ohio, I am NOT in network)
Ohio Health Choice/Ohio PPO Connect/NWOHP
OhioHealthy/Optima/Health Reach Preferred
**If I am not in network with your insurance, you can ask them if you have any Out of Network benefits that can be used to help pay for services.
For those choosing to use insurance, it is important that you contact your insurance company in order to fully understand your mental health benefits and coverage. With regard to psychological assessment/testing, insurance plans may differ with regard to what they will cover. For example, testing for learning disabilities, giftedness, and autism spectrum disorder may not be covered and may require out-of-pocket costs to you (see Fees below). Additionally, if insurance coverage is denied, you will be responsible for the full service fee, as allowable by the contract Dr. Spader-Cloud has with the insurance company. Please also be aware of your current remaining deductible as well as any copays/coinsurance you may owe as these payments will be due at the time of service. For questions to ask your insurance carrier when determining coverage for psychological testing, please use the Testing Authorization Checklist (click here). It is important to understand that quotes obtained from insurance companies, either by yourself or Dr. Spader-Cloud and/or her billing manager, are not a guarantee of coverage/payment. Please be aware that Dr. Spader-Cloud will need to submit a diagnosis to insurance in order to obtain coverage for your services. Also, when using insurance benefits, the insurance company has the right to view your medical records when they choose to do so.
If you prefer to not use insurance benefits, payment of fees will be due once the testing results have been provided to you (see Fees below).
Payment for fees, copays/coinsurance, and/or deductibles are accepted in the form of check and debit/credit cards (including Health Savings Account or Flexible Spending Account cards).
Fees for Services
If you prefer NOT to use insurance benefits, the cost of testing is $170 per hour, and evaluations typically take 4-7 total hours, depending on the reason(s) for testing (an approximate amount of time will be provided per discussion of your testing needs). Testing services include time spent during the intake interview, administering the tests, and discussing the testing results as well as the additional time required for chart review, planning the testing session(s), scoring/analyzing/interpreting the results, and writing the Psychological Assessment Results Report.
$35 per 15 minutes (billed to you as insurance will not cover/pay)
-Phone calls lasting more than 10 minutes
-Written letters/reports requiring more than 10 minutes
-Medical records preparation/sending to another treating provider requiring more than 10 minutes