Insurance Information

RCBM Card-on-File Policy

Beginning December 1, 2025, all RCBM patients will be required to keep a valid credit/debit card securely on file. This ensures timely payment of patient balances and helps prevent disruptions in care.

By submitting your credit card information through our secure portal, you acknowledge and agree to the following terms and conditions:

Billing and Payment Authorization

RCBM will charge the credit card on file for any outstanding patient balance on the first Friday of each month. To ensure transparency and provide time to review your balance, an email statement will be sent to the guarantor email address on file on the Monday prior to the scheduled charge. If that Monday falls on a holiday, the email will be sent one business day before or after. The statement will include the amount scheduled for processing.

Please note:

• Charges will not exceed $500 per transaction. If your balance exceeds $500, multiple transactions may occur over subsequent billing cycles until the balance is paid in full.
• You may contact our Billing Department via phone, text or email (information listed below) prior to the scheduled Friday charge if you have questions or wish to make alternative payment arrangements.
• We are no longer able to send mailed statements when you have a card on file. All statements will be sent to the guarantor email address on file. 

Security

We take the security of your information very seriously. All card data is processed through a trusted, encrypted payment provider that meets industry-standard PCI compliance and security protocols. No credit card information is stored within RCBM’s internal systems.

Additional Information

• If you would like to keep the same card on file for multiple family members, please enter the information individually for each patient account (one time per account).
• If you already have an active payment plan, no action is needed at this time. Our billing team will reach out once your payment plan is complete.
• You may change the card on file at any time by emailing billing@rcbm.net.

Need Assistance?

If you have any questions or concerns, please reach out: 

Call or text: 248-609-6087 

Email: billing@rcbm.net

Click here to securely submit your credit card information through our patient portal.

Please make sure to provide our staff with current insurance information (email to billing@rcbm.net)

Providing your current insurance information helps us ensure your coverage is up to date and that any services or claims are processed smoothly. Keeping this information current avoids delays and helps us serve you better.

Health insurance is a signed contract with a health insurance company that requires the company to pay for some of your health care costs. That does not mean they will pay for everything. You will still have a responsibility to pay some costs.  Below is a list of common insurance terms and their definitions.

Premium: The amount you pay each month to your insurance company in order to have insurance. When you buy car insurance, for example, you pay the insurance company each month, and health insurance is the same. If you do not pay your health insurance premium, your health insurance will be cancelled.

Deductible: The amount you pay for covered health care services before your insurance plan starts to pay. Example: With a $2,000 deductible, you pay the first $2,000 of covered services yourself incremented by the amounts in which your insurance company allows for services rendered. After you meet your deductible, you usually pay only a copayment or coinsurance for covered services.

Copay: A fixed amount ($20, for example) you pay for a covered health care service after you have paid your deductible. Let's say your health insurance plan's allowable cost for a doctor's office visit is $100. Your copayment for a doctor visit is $20, your insurance should pay the remaining $80.

Coinsurance: The percentage of costs of a covered health care service you pay (20%, for example) after you have paid your deductible. Let's say your health insurance plan's allowed amount for an office visit is $105 and your coinsurance is 20%. If you have met your deductible, you woulid be responsible for paying 20% of $105, or $21

Allowed Amount: The amount that your insurance plan will pay for a specific code, based on the contract between your insurance carreier and RCBM.

In order for your visits at RCBM to be covered by your insurance, your plan must cover the visit type(s) being billed and the provider that you are seeing. RCBM staff makes every effort to verify benefits and eligiblity before a patient begins care with us, but it is recommended that patients also verify their coverage.

Deductible and coinsurance amounts change based on how each service is coded. The coding of services is based on the services rendered. For example, a visit with an M.D. will have a different allowable amount than a visit with a PhD. Furthermore, there are many different codes for the services provided at RCBM. You may notice varied "allowed amounts" for visits with the same provider, due to coding variations. Also keep in mind that insurance companies typically change their allowable amounts annually.

We know that insurance matters can be complicated and often confusing. If you have any questions about your benefits, please feel free to reach out to our billing team at: billing@rcbm.net.

Brief Behavioral Assessment Billing

Many insurance plans now mandate the use of a validated assessment tool at every visit. to assess patient safety and evaluate progress. To this end, RCBM uses the PHQ-9. Your clinician will review your PHQ-9 at the time of your visit and use this data in clinical decision-making. Please note that this is a billable service, CPT code 96127, which will be submitted to your insurance company. If the code is denied or goes to your deductible, you can expect your out-of-pocket responsibility to be anywhere from $3-$8 per administration.

What insurance plans do we accept at RCBM?

Not all RCBM clinicians participate with the same insurance companies. If you have any questions about whether an RCBM clinician is on a specific insurance panel, please contact our front office, as we are happy to help in any way we can. You may also contact our billing team at 248-608-8800 x 202.

Please be aware, however, that we cannot speak for insurance companies or predict their behavior, nor are we responsible for their decisions. For this reason, it is the responsibility of the patient to call their insurance company before they come in for their first visit. During this phone call, the patient should verify their outpatient mental health benefits and whether their specific provider is in-network for their insurance plan. Please note that Medical Nutrition Therapy falls under your medical benefits and is required to be billed under our physicians.

Most RCBM clinicians participate with:

• Aetna
• ASR
• Blue Cross Blue Shield
• Cigna
• Health Alliance Plan
• McLaren (plans not administered by Medicaid)
• Priority Health

Some RCBM clinicians participate with:

• Medicare
• United Behavioral Health
• United Healthcare (Plans not administered by Medicaid)

At RCBM, we do NOT participate with:

• Blue Care Network
• Humana
• Medicaid
• Tricare

*Please note: The RCBM SPRAVATO® Program does not participate with TriCare, Carelon Behavioral Health, UMR, Beaumont UMR, Blue Care Network, Humana, or Medicaid. If you have one of these health plans, please visit SPRAVATO.com to find a SPRAVATO center that accepts your insurance.

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

• You have the right to receive a Good Faith Estimate for the total expected cost of services, including appointments with our medication prescribers and mental health therapists, medical nutrition therapy services, SPRAVATO treatment, and diagnostic assessments.
• Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
• If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
• Make sure to save a copy or picture of your Good Faith Estimate. 

If you are billed for more than this Good Faith Estimate, you have the right to dispute the bill.

You may contact the health care provider or facility listed to let them know the billed charges are higher than the Good Faith Estimate. You can ask them to update the bill to match the Good Faith Estimate, ask to negotiate the bill, or ask if there is financial assistance available.

You may also start a dispute resolution process with the U.S. Department of Health and Human Services (HHS). If you choose to use the dispute resolution process, you must start the dispute process within 120 calendar days (about 4 months) of the date on the original bill.

There is a $25 fee to use the dispute process. If the agency reviewing your dispute agrees with you, you will have to pay the price on this Good Faith Estimate. If the agency disagrees with you and agrees with the health care provider or facility, you will have to pay the higher amount.

For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 1-800-985-3059.