Dr. Mehr Karamat, Dr Ansar Malik and Thriving minds – Psychiatric services of California accept the below insurances however also remain primarily a cash based practice who provide out of network care for patients that do not have any of the below mentioned insurances.

Dr. Mehr Karamat and Dr. Ansar Malik are accepting the below insurances:

• Optum – (United Healthcare, United Healthcare Shared Services (UHSS), GEHA – United Healthcare Shared Services (UHSS), UnitedHealthcare Global, Oscar, Harvard Pilgrim, Oxford, UHC Student Resources, UMR, All Savers (UHC), Health Plans Inc, Bind)
• Aetna – (Meritain, Nippon, Allied Benefit Systems, GEHA – United Healthcare Shared Services (UHSS)
• Cigna
• Anthem Blue Cross
• Blue Cross Blue Shield
  
  

If desired, Dr. Mehr Karamat and Dr. Ansar Malik will be happy to provide you with a superbill that you can submit for partial or at times full reimbursement directly to your insurance provider.

FREE INSURANCE REIMBURSEMENT SUPPORT:
Reimbursify is a company that helps patients file out-of-network claims. For patients whose insurance we are out-of-network with, Reimbursify makes it easy to file a claim and get reimbursed directly by your insurance company.

Our Practice is subscribed to Reimbursify’s Practice Pro plan to help simplify your process of getting reimbursed.

For cash-pay patients while we remain “out of network” to ensure great care for you, we also want to simplify the process of how you can utilize your insurance benefits while still getting the excellent care an “out of network” doctor can provide. We have been able to do this by subscribing to Reimbursify which allows us to check your out of network benefits and see what percentage of your fees paid to us is reimbursable. This really streamlines the process for you. Depending on your plan, you will usually get a percentage of what you already paid back to you, which can help offset the out-of-pocket cost of services. And that is not all! You can file the claim free with reimbursify under our practice without a charge due to our subscription with them via their app, or we can file it for you as well (free of charge).

We also, however, understand you may want to get reimbursed independently and may not want to utilize Reimbursify and in that situation, we would be happy to provide you with a superbill for each visit and you would file for reimbursement directly with your insurance company. If you choose this route, we have some guidelines below for you that may help simplify the process a little bit.

• 1) Call your insurance carrier at the number listed on the back of your insurance card.
• 2) Ask your insurance carrier what percentage is covered for “out-of-network” or “non-participating providers.
• 3) Ask your insurance carrier if you have a deductible for an out-of-network provider and how much it is.
• 4) Ask your insurance carrier what the “maximum allowed amount” is per session (this is sometimes referred to as “reasonable and customary fees”). They may ask you for geographical information such as the zipcode where the doctor practices. For us, that would be 91789, and the specialty which would be psychiatry.
• If they ask for CPT/procedure codes. We utilize 99204 and 90833 for initial appointments (Psychiatric Evaluation) OR 90792 for Psychiatric diagnostic evaluation with medical services and
• We utilize either 99214 with 90833 for follow up visits OR 99213 and 90833 . These codes for the follow up visits are for an outpatient visit for the evaluation and management of an established patient, with added therapy.