Boston College Student Health Insurance

Our breakdown of how it works

*Allowed amount = Cost assigned by insurance company, depending on average in your geographic area.

From the Boston College Student Health Insurance Brochure (link)

 

Detailed Explanation

In-network clinician benefits (non-hospital visits)

Summary
You owe $25 per appointment for any therapist who is in-network with Blue Cross Blue Shield.

Details

  • Deductible: $0
  • Copay: $25 copay

Out-of-network clinician benefits (non-hospital visits)

Summary

You pay the first $150 (this is called a "deductible"). 

After you see your therapist for a few sessions and pay a total of $150, you submit a claim and your insurance company reimburses you 80of what's called an "Allowable Amount," i.e. "the average amount charged by most providers for treatment."

The big question mark that determines how much you ultimately pay is this "Allowable Amount." While insurance companies don't release this information, we've anecdotally heard that this can range from ~$50 - $120 per appointment. We've given some potential scenarios below!

Details

  • Deductible: $150
  • Copay: $15 copay
  • Allowable Amount: Insurance will reimburse 80% of the "Allowable Amount" they determine.

Example
Therapist fee is $150/session

  • First appointment: You pay your therapist the session fee, $150.
  • Second appointment: You pay my therapist the session fee, $150, and submit a claim to the insurance company. The insurance company reimburses you 80% of the Allowable Amount they've determined.
    • If the Allowable Amount is $100, the insurance company reimburses you $80. You overall paid $70.
      • Calculation:
        • 80%  x $100 Allowable Allowance = $80 reimbursement.
        • $150 sess ion fee - $80 reimbursement = $70 is how much you paid.
    • If the Allowable Amount is $80, the insurance company reimburses me $64. You overall paid $86.
      • Calculation:
        • 80% x $80 Allowable Allowance = $64 reimbursement.
        • $150 session fee - $64reimbursement = $86 is how much you paid.

 

We understand how frustrating insurances can be! Feel free to contact us at hello@zencare.co or start a chat with us below!

Yours,
Zencare team