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effective 1/1/22 Your Rights and Protections Against Surprise Medical Bills 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” (sometimes called “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. 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. 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. You’re 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. ​ Additionally, Missouri law requires that patients pay only their in-network cost sharing amounts. These protections apply to any patient covered by a state regulated insurance plan but does not apply to a liability insurance policy, workers’ compensation insurance policy, or medical payments insurance issued as a supplement to a liability policy. If you believe you’ve been wrongly billed... You may contact: The U.S. Centers for Medicare & Medicaid Services (CMS) at 1-800-MEDICARE (1-800-633-4227) or visit https://www.cms.gov/nosurprises for more information about your rights under federal law. ​ ​ Missouri Department of Insurance at 800-726-7390. Good Faith Estimate You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. ​ Under the law, healthcare providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment and hospital fees. Make sure your healthcare provider gives you a Good Faith Estimate in writing at least one business day before your medical service or item. You can also ask your healthcare provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate. Get More Information For questions or more information about your right to a Good Faith Estimate, visit cms.gov/nosurprises or call 1-800-MEDICARE (1-800-633-4227).

Aurelia Deas, MSW, LCSW ADeas Counseling Servic es LLC Aurelia is a Licensed Clinical Social Worker offering brief and extended therapy to children, adolescents, families, individual adults and groups. She received her Masters of Social Work from Washington University in St. Louis at The George Warren Brown School of Social Work. Aurelia is a bilingual clinician speaking both English and Spanish. Aurelia completed her clinical supervision towards the most advanced licensure for social workers, LCSW, with David M. Harris - including over two years and 4000+ hours of clinical social work experience and training. Drawing upon a diverse clinical background, Aurelia incorporates a variety of approaches into her practice, including Cognitive Behavioral Therapy (CBT), Dialectical Behavior Therapy (DBT), and Motivational Interviewing. Her experience allows her to tailor her therapeutic interventions to meet the needs of each individual. She has special interests in using Therapeutic Art and Play Interventions to approach each client's story in a unique way. Aurelia facilitates a safe place to share each client's journey and to improve each family's well being. Together- New Canvas . New Paint . New Outlook .

Seeking Out-of-Network Reimbursement from your Insurance Company Many insurance plans allow members to see any provider a member chooses, and will pay for some or all of that treatment. If your insurance plan does cover providers who are out-of-network, we can provide the required documentation so that some or all of your payments are reimbursed. Do the Research If you are considering using out-of-network benefits, it is wise to first contact your insurance company and ask the following questions: Does my plan cover mental health sessions? Does my plan cover only individual psychotherapy or will it also cover family or couples counseling? How many sessions does my plan cover in a year? How many sessions do I have left? Does my plan cover services to out-of-network mental health providers? What is the deductible I have to meet before coverage to an out-of-network provider kicks in? What is my copay or what percentage of treatment do I pay when seeing an out-of-network mental health provider? Is there a maximum amount (per session) the insurance will cover for an out-of-network provider? How much time do I have to file a claim for out-of-network services? Do I need pre-authorization or a referral from my PCP to see a therapist? If I need pre-authorization, do I need to call or does my therapist? What is the process to get reimbursed for out-of-network services? Please be very clear about the last question. Each insurance company will have a slightly different process and it is vital for the practice to know what information your company will need and what form your company uses so that you can be given the proper documentation for your claim. Getting Reimbursed We will provide you with a detailed invoice (called a "superbill") after each session, or monthly as agreed upon with your therapist. It contains all the information that most insurance companies require. If your insurance company requires that some other form be filled out, please have that form available for the practice to complete. Please know specifically what your insurance company will need from you so that the practice can provide you with the adequate documentation that you need. Once you have your documentation, you can provide it to the insurance company so that it will reimburse you for your payments. We are happy to answer any questions you have about this process and support you in getting your claims paid if you have problems. Interacting with insurance companies can be confusing and there is no need to have an extra barrier in your life. Should I Use My Insurance Benefits? Be well informed when deciding to use your health plan to cover therapy. The unfortunate reality is that seeking mental health care through your insurance can sometimes have unplanned consequences. Insurance companies only cover care that is "medically necessary". This means, that they will typically only cover therapy for issues that have a recognized mental health diagnosis attached to them. Your provider will be required to submit a diagnosis in order for you to get reimbursed for any therapy that you engage in. When submitting a claim to your health insurance, you permit your provider to provide the clinical information that the insurance company requires to substantiate the medical necessity of your care. Thus, your diagnosis and the supporting evidence for that diagnosis becomes part of your health record. Some feel this is a risk that could potentially impact other areas of life that take your health record into account. Please be sure to talk with your therapist about any concerns before moving forward with a session. By choosing to not use insurance, you have more choice about who you see, how long you stay in therapy and what your therapy looks like. You also gain a higher level of privacy related to your health information. When cost is an issue, you may need to use your health benefits to access services. Using health insurance may be the only way for you to get treatment. Ultimately, you can look at the advantages and disadvantages of each option and make an informed decision about what will be best for you. Out-of-Network

What Type of Therapy Service Do I Need? That can depend on what concerns you initially indicate, as well as new insights along the way. Our shared mission is to help people design well-being in all aspects of life. Whether this is your first time seeking therapy, or if you have been in therapy before, we are here to help you heal, to support balancing, and to promote joy in daily living. We each have unique styles that our interactive and supportive, yet challenging. With a variety of clinical modalities available, we aim to match our services with your unique concerns and wishes - through collaboration and relationship builidng you are in the "driver's seat". The following service area summaries may guide you in what to ask for. In your first appointment or two, we will get to know each other, explore your story and concerns that led you to seek services, fill out some paper work, and formulate a supportive plan that is uniquely tailored to your therapy goals. Individual Therapy Individual Therapy Individual Psychotherapy offers a unique opportunity to explore challenges and concerns in your daily life. It can help you develop greater understanding and insight into your personal and relational challenges. Individual sessions are designed to allow for client-focused interactions and a variety of therapeutic interventions to alleviate symptoms of depression, anxiety, and general stress . Couples/Marital Counseling Couples Counseling is designed to support more positive communication and behaviors between partners. Tensions often arise that interfere with the long term love relationship (LTLR). Intimacy Therapy is implemented to allow the couple to deepen respect and love through self, conflict/communication, and affection intimacy work (in-to-me-see). Spiritual work may also be a component if requested. *Don't forget to ask about our Relationship/ Marriage Intensives - a special weekend retreat designed to get you back on track quickly. Family Counseling During Family sessions, the primary goal is to explore, deal with, and heal from lost or broken pieces of each relationship. A Family Systems approach is most often used to examine how each member differentiates self, fuses or triangulates with others in the family, and how harmony is acheived despite conflict and tensions. Some of the same principles of Intimacy Therapy used with couples are applicable to family systems. Group Therapy Group sessions are a powerful, dynamic way to share and be supported by others with similar issues. After all, we all encounter group situations daily – family, work, school, church, or other organized activities. Group sessions are a place to come together to share problems, to increase understanding of your situation, and to support and learn with others. You quickly realize that you are not alone in your experiences. A cohesive group also helps members gain a sense of belonging, acceptance, and shared goals. *Groups are formed when there are several clients who desire support beyond individual therapy, and who have common concerns where group interaction would be beneficial. (please inquire as we may already have a group that may fit your needs. Mind & Body Therapy Therapy is more than just talking; it is about supporting a healthier, balanced lifestyle. Integrative Therapy is a well-being concept that emphasizes an alliance between the mind and body. The mind and body are essentialy inseparable. We seek to enhance the mind-body connection through a variety of techniques or concepts that uniquely match supports for each client's needs. In addition to psychotherapy services, this may include meditation, guided visualizaton, exercise, or energy work. For example, exercise is an important part of a wellness endeavor. Emerging studies indicate that to resolve or eliminate depression, combining exercise with therapy is often more beneficial than combining antidepressants with therapy. Seasonally, you can schedule a “walk and talk” session to explore the benefits of exercise in the therapeutic process. Therapy On The Greens If you are used to doing business on the golf course, or maybe just enjoying a round on the beautiful landscape of a golf course, "Therapy on the Greens" is just for you! We can schedule an extended session with a golf appointment. Many are able to do powerful thinking in this environment. While we use the phrase "Therapy on the Greens"; most clients are actually Positive Design Coaching clients. We certainly are not golf pros (and probably won't do much coaching for your slice), but we do have fun sharing our expertise in a fun way through golf. Call us to learn more about scheduling a dedicated or small group session. Group

About Us Positive By Design LLC is an idea by the founder, David Harris, to develop a strategic alliance of well-being specialists -independent practices - who have a shared mission to support balancing, healing, and peak performance in all areas of daily living. We help you Create a Life YOU Love , applying principles of positive psychology with design thinking, while encouraging advances in how you speak, think, and live. PBD LLC (David Harris), highly recommends the services of any of the independent practices/providers listed below. Referral Team (*I will continue to add trusted clinicians/coaches to my list of preferred referral options if they wish to join my mission to provide a strategic referral network of providers committed to a shared mission of well-being. ** Ho wever, please be aware that all clinicians are independent providers - the only clinician related to PBD LLC, is David Harris! ) Our Team David M. Harris Founder/Managing Principal Victor H. Farwell Independent Therapist/Coach Daniel M. Harris Independent Coach Aurelia Deas Independent Therapist

Positive By Design News, Media Posts, & Articles Psychotherapy Networker Psychology Networker Blogs published on a regular basis ​​ A website containing a variety of mental health related articles/blogs that... Psychology Today Psychology Today Published on a regular basis ​​ A website containing a variety of mental health related articles that may be of... Featured Posts Psychotherapy Networker Psychology Today Recent Posts Psychotherapy Networker Psychology Today Archive October 2018 (1) 1 post March 2016 (1) 1 post Search By Tags psychology