At MySpectrum Counseling & Coaching, we require keeping your credit or debit card on file as a convenient method of payment for the portion of services that your insurance doesn’t cover, but for which you are liable. Without this authorization, a billing fee of $15 will be added to your account for any balances that we must attempt to collect through mailing monthly statements. Furthermore, an "outstanding balance" charge of 1.5 percent of the total bill will be added for each month that the bill remains unpaid.
Your credit card information is kept confidential and secure. Co-payments will be charged to your account after your therapy session. Co-insurance payments to your card are processed only after the claim has been filed and processed by your insurer, and the insurance portion of the claim has been paid and posted to the account.