Insurance Information

It is your responsibility to know what your insurance benefits are, including deductibles, coverage limits, and requirements for disclosure of private health information.

Currently, Dr. Monaco is a participating, in-network provider for the following plans:

• Blue Cross PPO/Anthem
• Blue Shield
• Aetna
• ComPsych
• ValueOptions
• MHN/TRICARE
• CIGNA

Some patients will be able to use their mental health insurance, in which case you are responsible for your co-pay, if any, at the beginning of each session.

If I am not a participating provider with your specific insurance company, many insurance provider plans include “out-of-network” coverage. These plans can help reduce the cost of therapy by covering part of the payment, which is usually 50% - 80% of your therapy fee.

Dr. Monaco will electronically submit claims to your insurance company and, upon request, will provide you with a monthly therapy statement of the fees that you paid.In the event there is a deductible for out-of-network benefits, you are responsible for the full amount of the deductible. 

Some insurance companies will add your out-of-network provider to their existing panel list for you, and Dr. Monaco would be pleased to complete any necessary paperwork.

Although many patients have, and do use, their mental health insurance benefits, others prefer to pay privately “out-of-pocket.” Dr. Monaco also prefers that you pay for sessions fees directly.  There are various reasons to consider this, which you should CAREFULLY read by clicking here.