Frequently Asked Questions
What Would You Like To Know?
What Is Telehealth? How Does It Work?
“Telehealth is the distribution of health-related services and information via electronic information and telecommunication technologies. It allows long-distance patient and clinician contact, care, advice, reminders, education, intervention, monitoring, and remote admissions.”
HBCS offers Telehealth services by using a HIPAA (Health Insurance Portability and Accountability Act) compliant video conferencing system via our client portal and Google Meets. With just one click, you can join Karley for your therapy session within the comfort of your home via your mobile phones, tablet, and/or computer.
Who Do You Work With?
HBCS takes a wide range of clients. My services are not limited to those listed on the services pages.
HBCS is proud to be an ally for minority and cultural groups. These groups include Black, Hispanic/Latino, LGBTQA+, undocumented, and more.
HBCS does not offer therapy for children, anyone under the age of 18 years old or couples/families.
Karley Arguello is only licensed in Colorado. You must currently reside in Colorado to be a client.
How Do I Know If I Need Therapy?
“Therapy is a form of treatment aimed at relieving emotional distress and mental health problems” – Psychology Today.
You could benefit from therapy if you are…
– Experiencing negative emotions
– Having difficulty regulating emotions
– Struggling to build/maintain relationships
– Experiencing trauma/loss
– Having difficulty enjoying activities
– Wanting to improve yourself
– Using substances/destructive behaviors to cope
– And more…
Therapy is for everyone!
Does Therapy Really Help?
Therapy is effective when the client and clinician work together as a partnership to address client’s concerns. Client participation and attendance is crucial and will increase the likelihood of positive change.
Do You Accept Insurance?
Yes. Karley Arguello is able to accept insurance via SonderMind.
Anthem Blue Cross Blue Shield
Medicaid clients must use a medicaid provider. Karley is NOT a medicaid provider. This is a state law and cannot be negotiated.
Are Our Therapy Sessions Completely Confidential?
Absolutely. Under the HIPAA (Health Insurance Portability and Accountability Act) and PHI (Protected Health Information) acts, your name, descriptive factors, and stories are confidential. There are a few exceptions to confidentiality as HBCS and Karley are mandated reporters. More information will be provided during your intake session.
How Do I Know If Holistic Balance Counseling Services Is The Right Choice For Me?
Your therapeutic relationship with your clinician is an important part of your healing journey. Consultations allow you to ask Karley questions, voice concerns, and learn more about her approach to therapy. Consultations help you determine if Karley is a good fit for you. If at any point you are not satisfied with your clinician, there are no consequences to terminating therapy.
Why Is Therapy Expensive?
Therapy should not be luxury for the wealthy. Karley does offer limited sliding scale prices to those who cannot afford the full rate. This allows for everyone to have access to mental health care.
Good Faith Estimate
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 any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
• 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.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call the Colorado Division of Insurance at 303-894-7490 or 1-800-930-3745.
Beginning January 1, 2020, Colorado state law protects you from “surprise billing,” also known as “balance billing.” These protections apply when:
- You receive covered emergency services, other than ambulance services, from an out-of-network provider in Colorado, and/or
- You unintentionally receive covered services from an out-of-network provider at an in-network facility in Colorado
What is surprise/balance billing, and when does it happen?
If you are seen by a health care provider or use services in a facility or agency that is not in your health insurance plan’s provider network, sometimes referred to as “out-of-network,” you may receive a bill for additional costs associated with that care. Out-of-network health care providers often bill you for the difference between what your insurer decides is the eligible charge and what the out-of-network provider bills as the total charge. This is called “surprise” or “balance” billing.
When you CANNOT be balance-billed:
If you are receiving emergency services, the most you can be billed for is your plan’s in-network cost-sharing amounts, which are copayments, deductibles, and/or coinsurance. You cannot be balance-billed for any other amount. This includes both the emergency facility where you receive emergency services and any providers that see you for emergency care.
Nonemergency Services at an In-Network or Out-of-Network Health Care Provider
The health care provider must tell you if you are at an out-of-network location or at an in-network location that is using out-of-network providers. They must also tell you what types of services that you will be using may be provided by any out-of-network provider. You have the right to request that in-network providers perform all covered medical services. However, you may have to receive medical services from an out-of-network provider if an in-network provider is not available. In this case, the most you can be billed for covered services is your in-network cost-sharing amount, which are copayments, deductibles, and/or coinsurance. These providers cannot balance bill you for additional costs.
- Your insurer will pay out-of-network providers and facilities directly.
- Your insurer must count any amount you pay for emergency services or certain out-of-network services (described above) toward your in network deductible and out-of-pocket limit.
- Your provider, facility, hospital, or agency must refund any amount you overpay within sixty days of being notified.
- No one, including a provider, hospital, or insurer can ask you to limit or give up these rights.
If you receive services from an out-of-network provider or facility or agency, you may still be balance billed, or you may be responsible for the entire bill. If you intentionally receive nonemergency services from an out-of-network provider or facility, you may also be balance billed.
If you want to file a complaint against your health care provider, you can submit an online complaint by visiting this website: https://www.colorado.gov/pacific/dora/DPO_File_Complaint.
If you think you have received a bill for amounts other than your copayments, deductible, and/or coinsurance, please contact the billing department, or the Colorado Division of Insurance at 303-894-7490 or 1-800-930-3745.
This law does NOT apply to ALL Colorado health plans. It only applies if you have a “CO-DOI” on your health insurance ID card.
Please contact your health insurance plan at the number on your health insurance ID card or the Colorado Division of Insurance with questions.