Evaluation Models
At Horizon Neuropsychological Services, LLC, we want to make our services accessible to everyone. As such, we have created three (3) models with which individuals and families can choose from to meet their needs. In order to understand the difference between these three (3) models, however, it is first important to understand the concept of “medical necessity” and how that is defined by insurance companies. According to Very Well Health:
Health insurance plans provide coverage only for health-related services that they define or determine to be medically necessary. Medicare, for example, defines medically necessary as: “Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.” Medical necessity refers to a decision by your health plan that your treatment, test, or procedure is necessary for your health or to treat a diagnosed medical problem. Most health plans will not pay for healthcare services that they deem to be not medically necessary.
The question then becomes, “What does this mean for neuropsychological evaluations?” According to insurance companies, they will cover only what they deem to be “medically necessary” and nothing more (keep in mind that each insurance provider is different, it is suggested that the individual review their own policy for specific coverage). For example, academic achievement testing to identify or rule-out a learning disability is not considered to be medically necessary, as they considered this to be an “educational issue.” Insurance companies will also only permit reimbursement for a certain number of hours for testing, scoring, report writing, and verbal review of results. Regardless of the complexity of the case, insurance companies dictate the number of hours they feel should be spent on each case, which commonly is much less than the number of hours that neuropsychologists spend to provide adequate standards of care. As such, many neuropsychologists choose not to become paneled with insurance companies and instead require private pay. At Horizon Neuropsychological Services, LLC, however, we are making every effort to find a happy medium between providing affordable healthcare and offering the quality of services that families are looking for. As such, we offer three (3) evaluation models to choose from that best fits your needs. More details are outlined below.
For questions, please contact our office at (720) 242-7533.