Courtesy Billing Instructions

We know insurance billing can be confusing and stressful. To make things easier, we offer courtesy billing - a way for you to save money upfront while we handle most of the insurance work.

What is “Courtesy Billing”?

Instead of you paying the full session fee and waiting weeks for your insurance reimbursement, we only charge you your portion up front.

We then submit the claim to your insurance on your behalf.

  • If your insurance pays us directly, you’re done!

  • If your insurance sends you the reimbursement check, you’ll simply Zelle that amount to us at info@bkintegrative.com, noting the session date in the memo.

Why It Helps

Without Courtesy Billing, you’d pay the full session fee (for example, $325) and wait for your insurance to pay you back later.

With Courtesy Billing, you only pay your share (for example, $50–$150) right after each session, and we handle the rest with your insurance company.

That means you don’t have to front hundreds of dollars every month while waiting for reimbursement.

Example 1:

Out-of-Network BCBS Member

  • Session fee: $325

  • Client pays $50 at session

  • Insurance reimburses $275 to the client

  • Client sends $275 via Zelle to info@bkintegrative.com
    Client’s total cost: $50
    Provider receives full $325

Example 2:

Out-of-Network Cigna Member

  • Session fee: $350 (Couples Therapy)

  • Client pays $130 at session

  • Insurance reimburses $220 directly to BIPS
    Client’s total cost: $130
    Provider receives full $350

A Few Things to Know

  • Some insurance plans send checks to you, not us. Please Zelle those funds to us once received.

  • Always include your Date of Service in the Zelle memo.

  • Zelle is free, secure, and keeps a clear record for both of us.

In Summary

Courtesy Billing lets you:

  • Pay less up front

  • Skip the hassle of submitting superbills

  • Let us wait for insurance payment, not you

If you have any questions before choosing this option, please ask - we want everything to feel clear and transparent so you can focus on your care.

Additional FAQs

Coinsurance Explanation

Coinsurance is the percentage of the allowed amount that you’re responsible for paying after your deductible has been met.

For example:
If Blue Cross Blue Shield (BCBS) allows $225 for your therapy session and your plan includes a 40% coinsurance, you would pay 40% of $225, which equals $90.00 per session.

That means BCBS would cover the remaining 60% ($135.00), and your portion ($90.00) becomes your out-of-pocket cost each session.

Once your deductible has been met, this coinsurance amount applies to each covered service until your out-of-pocket maximum is reached - after which the insurance company typically covers 100% of the allowed amount for the rest of the plan year.