Neurocove Behavioral Health, LLC

 Specialists in psychological assessment, therapy, and counseling for 

anxiety, depression, and trauma throughout Florida. 

Your Rights and Protections Against Surprise Medical Bills under the No Surprises Act

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

What is “balance billing” or “surprise billing”?

When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.

“Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.

“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.

No Surprises Act
Photo by Nathana Rebouças on Unsplash

You are protected from balance billing for:

  • Emergency services
    • If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.
  • Certain services at an in-network hospital or ambulatory surgical center
    • When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed.

If you get other services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections.

Please note: You are never required to give up your protections from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.

When balance billing isn’t allowed, you also have the following protections:

  • You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.
  • Your health plan generally must:
  • Cover emergency services without requiring you to get approval for services in advance (prior authorization).
  • Cover emergency services by out-of-network providers.
  • Base what you owe the provider or facility (cost-sharing) on what it would pay an in‑network provider or facility and show that amount in your explanation of benefits.
  • Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.

If you believe you’ve been wrongly billed, you may contact the Centers for Medicare & Medicaid Services. under

Nicholas James Psychologist Orlando Florida

Nicholas James, Ph.D.

LICENSED CLINICAL PSYCHOLOGIST

ABOUT ME

My name is Nicholas James, Ph.D. I have experience working with individuals facing anxiety, depression, stress, trauma, insomnia, and caregiver strain. I focus on matching evidence-based therapies to the needs of my clients to meet their personal goals of recovery and growth.

OUR FIRST SESSION

I believe that change occurs through personal reflection, cultivating strengths and resources, and incorporating growth into everyday life. It is my goal that each session is collaborative and integrates needs, beliefs, and your background into a person-centered treatment plan.

MY APPROACH

I try to bring a genuine, humanistic atmosphere to every session. My therapeutic approach is centered in Cognitive Behavioral Therapy (CBT) and incorporates additional evidence-based practices to address unique needs that arise during therapy.

INTERVENTIONS

Trauma Focused

Exposure Response Prevention

Acceptance & Commitment (ACT)

Behavior Modification 

Humanistic

Motivational Interviewing Mindfulness-Based (MBCT)

Cognitive Processing (CPT)

Cognitive Behavioral (CBT)

Benson Munyan Psychologist Orlando Florida

Benson Munyan, Ph.D.

LICENSED CLINICAL PSYCHOLOGIST

ABOUT ME

My name is Dr. Benson Munyan. I specialize in working with those experiencing symptoms of anxiety, depression, and trauma. If you are reading this, there’s a good chance you’re looking for something. Whatever the origin of your story, you are here. There is no time like the present to change our tomorrow.

OUR FIRST SESSION

From our very first session, skills are introduced, demonstrated, and assigned as practice assignments between meetings. I collaboratively set each session agenda with my clients, ensuring we have time for following up since the last session, troubleshooting any problems with skills or homework, and working on new problems or material.

MY APPROACH

Let’s be honest. Sometimes, life is hard. And sometimes, it downright sucks. There, I said it. I believe we should be able to use everyday language in therapy, and that participating in therapy as our most genuine selves empowers us to better understand the challenges we’re facing as well as potential solutions.

INTERVENTIONS

Cognitive Behavioral Therapy

Cognitive Processing Therapy

Trauma-Focused Therapy

Dialectical Behavioral Therapy

Acceptance and Commitment Therapy

Skip to content