Insurance Copays, Deductibles and Mental Health Parity

In accordance with the Mental Health Parity and Addiction Equity Act of 2008, prior benefit limits for Behavioral Health and AODA services have been removed.  In the past, mental health benefits have been set aside as a separate coverage with limits as to number of sessions and maximum expenditure on services allowed.  This is no longer the case.  Behavioral Health and AODA diagnoses are to be treated by insurance companies the same as medical diagnoses.  Effective with all policy renewals on or after November 1, 2009, depending on your particular health insurance policy, insurance companies may now require you to pay a deductible, a copay, or both.

If you have questions or concerns regarding these changes, please contact your insurance customer service department at the phone number listed on your card.  We have developed a list of information and questions to ask your insurance provider to help clarify your insurance coverage.  They will be able to discuss with you what changes to your mental health benefits, if any, are applicable to your particular policy.

Midwest Center for Psychotherapy and Sex Therapy asks you to present your insurance card upon arrival at the Clinic.  Your insurance card may have important information regarding whether or not you have a copay and the amount of your copay.

Please pay your copay by cash, check, money order or credit card at the time of each session.  Our office assistant will accept and process this payment prior to each session.  If she is not available, your therapist can help you with this payment at the start of your session.  As a courtesy, we offer our clients the options for their sessions fees to be charged directly to their credit card.  The Credit Card Payment Authorization form allows MCPST Management Corporation to charge your credit card for services.  This form is kept confidential and private.  If you would like to set up this kind of payment, please complete this form and bring it with you to your appointment.  You may opt out of this service at any time.

If you have any questions about this form, please contact our Administrative Manager Sarah who will be of assistance to you.  You may reach her at (608) 237-8000 x 3. Sarah’s email is

Please feel free to discuss with your therapist what these changes may mean for you financially.