Frequently Asked Questions

Treatment

What is Lumate Health?

Lumate Health provides one-on-one therapy for teenagers and young adults (aged 12-25) who experience anxiety or OCD and related concerns. We utilize Cognitive Behavioral Therapy (CBT), a treatment grounded in research and proven to be the most effective therapy for anxiety disorders. Our goal is to empower our clients with the tools they need to manage their anxiety both now and in the future.

Lumate Health specializes in treating youth and young adults (ages 12-25) with anxiety and related disorders. If you’re looking for treatment to address an eating disorder, trauma, substance abuse, or severe depression and associated suicidal thoughts, Lumate Health is not the right fit at this time.

Your process at Lumate Health begins with a phone call intended to understand your concerns and explore your treatment goals. If Lumate Health appears to be the right fit for you or your child, the next step is a thorough evaluation with one of our therapists. This evaluation is intended to provide you with a comprehensive diagnostic picture and tailored treatment recommendations.

Cognitive Behavioral Therapy (CBT) is a treatment designed to help individuals recognize and challenge unhelpful patterns of thinking and behavior. It is an evidence-based treatment supported by rigorous scientific testing and research. It is often a short-term treatment that can be delivered effectively both in-person and via telehealth.

Therapists work collaboratively with their patients to develop goals for therapy, increase awareness of thoughts and behaviors that maintain anxiety, and learn skills to anticipate and manage anxiety. Finally, therapists work with their clients to practice using these skills in situations where anxiety might occur. This approach fosters new thought patterns and actions that will disrupt the cycle of anxiety.

No. You do not need a referral to work with us at Lumate Health. To ensure that you receive the optimal plan to meet your goals, with your consent, we will work collaboratively with your current medical and mental health providers to ensure continuity of care.

Typically, our treatment consists of weekly one-on-one therapy sessions for about four months. It is important to note that you or, if you are a parent, your teenager will meet with the same therapist weekly to provide continuity of care. At the end of the first phase of treatment, you or, if you are a parent, your teen and your therapist will work together to decide upon the next steps, which might include individual skill work, group treatment, parent support, or additional therapy. See about treatment for a more detailed description of the intake and treatment process.

All Lumate Clinicians have advanced degrees from accredited counseling, psychology, and social work programs and have furthermore been rigorously trained by our CBT experts, whom you may read about on our website.

You will need to schedule a video conferencing session with your clinician from the patient portal. We ask that you please log into the portal 5 minutes prior to the start of each session. You may need to first install Zoom on your computer should this be the first time that you use this application. Please select the installer that corresponds to the computer and environment you are running. Zoom installers can be found here: Zoom Installers – Zoom Support.

Questions about Pricing, Insurance, and Billing

Payment is due at the time each service is rendered. Reminders are issued by email and or text. Payments can be made immediately following any services by using the online patient portal. Detailed receipts can also be accessed through the patient portal.

At the present time, we accept insurance in the states of Florida and New Jersey, including Aetna, Oxford Health, United Healthcare, and Oscar Health.

Unfortunately, we don’t currently accept insurance in any other states and would be considered out-of-network. We will, however, work with your insurance company and help however we can,  providing billing codes and super bills to all of our patients that can be used for insurance reimbursement.

If you know that your insurance provider reimburses the cost of CBT and offers out-of-network coverage, your provider may request the CPT billing code for the initial evaluation (90791) and the 45-minute psychotherapy code (90834), or 1-hour psychotherapy code (90837) in order to provide specific feedback on reimbursement. If you don’t know, you’ll need to contact your insurance provider by calling the number on the back of your insurance card and ask them the following questions:

  • Do they provide out of network coverage?
  • What is the deductible?
  • Once the deductible is met, how much will insurance reimburse?


Our team will also help you however we can and are currently working with Reimbursify as another option for insurance reimbursement.

A policy, member, and group number are typically listed on the front of your insurance card or can be accessed online on your provider’s portal. Please contact your insurance company at the number on the back of your insurance card, and they will be able to assist you.

A deductible is an overall amount you must pay out of your pocket per year before your health insurance makes any payments. Please note that In-Network and Out-of-Network deductibles are often treated separately by insurers.

Yes, the treatment is an HSA-eligible expense. You can use your HSA debit card or submit your receipts to your HSA for reimbursement.

Scheduled sessions will be charged unless cancellations are placed at least 48 hours prior to the scheduled time of the session. Repeated cancellations will need to be addressed with the Clinical team. Please keep in mind that canceled sessions may not be eligible for reimbursement.

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