Frequently Asked Questions

Questions about our services and hours

At Lumate Health we provide one-on-one, high-quality treatment with expert-trained therapists for teenagers and young adults (aged 12-25) who are struggling with anxiety. We utilize the gold standard of evidence-based approaches, Cognitive Behavioral Therapy (CBT) to meet the growing need for effective treatments for youth struggling with anxiety. Our goal is to empower our clients with the tools necessary to face the underlying source(s) of their anxiety.

Lumate Health specializes in treating youth and young adults (ages 12-25) with anxiety and related disorders. If you or your teenager are primarily struggling with depression, eating disorders, trauma, or suicidal thoughts, Lumate Health is not the right fit.

Anxiety can lead to multiple possible complications. The initial steps into this journey will consist of a screening phone call, followed by an evaluation with one of our therapists. Evaluations usually last for 90 minutes and will assess your needs. We will discuss the results of the evaluation with you to determine options and the best course of action.

Based on the clinical team’s availability and your location, you may be able to change therapists. The Clinical team will work with you to make sure that the best plan is enacted.

CBT therapists help individuals learn how to recognize and change unhelpful patterns of thinking and habits of self-defeating or negative behavior and to accept and better manage the range of emotions that occur in daily life. Therapists work collaboratively with the patient to develop goals for therapy, establish hope, and assist the patient in harnessing their internal efforts and resources to make positive changes in their mental and physical health and wellness. Teens and young adults learn skills that can be life-affirming as well as life-saving for many who struggle with anxiety and related disorders. CBT is an evidence-based treatment supported by decades of scientific testing and research. It is often a short-term treatment and can be effectively delivered via telehealth.

Our hours of operation are from 9 AM to 7 PM Monday through Thursday and from 9 AM to 6 PM Friday (EST). Individual clinicians may, at their discretion, make themselves available outside of these times.

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.

Crisis Support:

Emergency: 911

Suicide & Crisis Lifeline: 988

National Hopeline Network: 1-800-SUICIDE (800-784-2433)

Crisis Text Line: Text “DESERVE” TO 741-741

Lifeline Crisis Chat (Online live messaging)

Self-Harm Hotline: 1-800-DONT CUT (1-800-366-8288)

Essential local and community services: 211

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