Fees for services are set prior to the start of treatment and are consistent (do not vary based on service type); however, there are some instances in which a session length is a half session, so the fee would be less.  Additionally, there is a fee for late cancelations and not showing for an appointment that is 50% of your clinical hour fee.  Dr. Curiel does not charge for letters and administrative correspondence; however, there could be a fee for services related to legal matters. 

The ultimate total fee for treatment services will be the number of sessions multiplied by the ongoing session fee.  The number of total sessions in the treatment is unknown at the outset and is based on the patient's needs, preferences, psychologist's input, and the progress made in the treatment.

Although, fees are to remain consistent, aside from the instances above, and Dr. Curiel does not bill or work with insurance, the No Surprises Act requires a Good Faith Estimate be provided to patients and to post the following information below. 

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OMB Control Number: 0938-1401 

  Expiration Date: 05/31/2025 

When you get emergency care or are treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from balance billing. In these cases, you shouldn’t be charged more than your plan’s copayments, coinsurance and/or deductible. 

What is “balance billing” (sometimes called “surprise billing”)? 

When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, like a copayment, coinsurance, or deductible. You may have additional 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” means providers and facilities that haven’t signed a contract with your health plan to provide services. Out-of-network providers may be allowed to bill you for the difference between what your plan pays 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 plan’s deductible or 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. Surprise medical bills could cost thousands of dollars depending on the procedure or service.  

You’re protected from balance billing for: 

If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most they can bill you is your plan’s in-network cost-sharing amount (such as copayments, coinsurance, and deductibles). 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. 

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 can 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 types of 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. 

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

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

• You’re only responsible for paying your share of the cost (like the copayments, coinsurance, and deductible that you would pay if the provider or facility was in-network). Your health plan will pay any additional costs to out-of-network providers and facilities directly. 

• Generally, your health plan must: 

o Cover emergency services without requiring you to get approval for services in advance (also known as “prior authorization”). 

o Cover emergency services by out-of-network providers. 

o 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. 

o Count any amount you pay for emergency services or out-of-network services toward your in-network deductible and out-of-pocket limit. 

If you think you’ve been wrongly billed:  the federal phone number for information and complaints is 1-800-985-3059.   Or if in MO, you can contact the Missouri Department of Commerce and Insurance at: 1-800-726-7390 or by visiting https://insurance.mo.gov/

Visit www.cms.gov/nosurprises/consumers for more information about your rights under federal law. 

Visit https://insurance.mo.gov/consumers/health/no-surprises-act.php for more information about your rights under MO law.