using your Health Insurance
We accept the following types of health insurance:
- The MBHP family of MassHealth plans
- MBHP
- Steward Healthcare Choice
- Partners Healthcare Choice
- Community Care Cooperative
- Be Healthy Partnership
FAQs
Q. Do you take other forms of MassHealth?
A. The only forms of MassHealth we take are listed above. If you are not sure which one you have, call MassHealth and ask which behavioral health plan you have.
Q. I have a PPO health insurance plan with an insurance you do not take, can I have the plan pay you directly?
A. We do not accept direct payment from any insurers for whom we are not in network. You would be responsible for payment to us but we can provide you with an invoice to submit to your insurance company. You may be able to get some of the cost of the evaluation reimbursed by your PPO plan after the fact but you should call them before we get started to doublecheck.
paying privately
Self-pay fee structure
If you are paying privately for testing, we work on a flat rate model with a variety of packages and components based on your clinical needs, the purpose of the evaluation, and your preferences.
Generally speaking, for all evaluations we offer two different options, testing plus a full report, or testing plus a briefer summary. In both cases, you receive an appendix containing all your scores and 1-2 sessions in which we go over the results and recommendations with you.
We would discuss with you at the conclusion of the initial consultation session which testing package we would recommend based on your situation and needs. We have found that for self-pay, the flat rate model works the best, as there are no surprises for you as to cost as we go along. We ask for half the testing fee at the first testing appointment and the balance before we write the report. We take cash, checks, and credit cards.
Rates
Depending on which psychologist you see, the initial consultation is $275 to $300.
Testing packages range from $2000 to $4000, depending on what is involved and which psychologist you see.
Dr. Rutherford is also licensed in New York State and can provide services there via telehealth. These services are priced higher due to the additional work required to offer this option and keep abreast of NY practice and policies, but are reasonable by NY standards. If you are a potential client in New York State, rates will be discussed with you before any services are undertaken.
Federal "No Surprises Act" - Good Faith Estimate Notice for Potential Self-Pay Clients
You have the right to receive a “Good Faith Estimate” explaining how much your healthcare services will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance (i.e., paying out of pocket) an estimate of the bill for healthcare items and services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare items or services.
Make sure your healthcare provider gives you a Good Faith Estimate in writing at least 1 business day before your healthcare service occurs. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a 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.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises