INSURANCE AND PAYMENT

We believe in reducing barriers to treatment. Sometimes those barriers are financial.  This is why we have contracted with 50+ insurance providers to make accessing services at Starting Point a breeze. If you don’t have insurance, we have options for you. We offer a sliding fee scale based on income and family size and our resident Marketplace Navigators can work with you to find an insurance plan that is affordable and meets your needs. Whatever the situation, do not let cost be a barrier to seeking treatment at Starting Point. We will work diligently to ensure there are affordable treatment options available to you and those that you love.

NEED INSURANCE? LET'S GET YOU COVERED!

Do you need healthcare coverage but don't know where to begin? Schedule an appointment with one of our Marketplace Navigators today. They are certified to help you find affordable coverage on the ACA Marketplace.

Step-by Step Instructions

  1. Enter your zip code in the appropriate field.
  2. Filter by distance and appointment type.
  3. Click 'Search for help.'
  4. View a list of available appointments at Starting Point and other locations.
  5. Pick and schedule an appointment at a time that is convenient for you.
Christina Guardiola
Christina Guardiola
Marketplace Navigator
cguardiola@spbh.org
Carrie Harper
Carrie Harper
charper@spbh.org

INSURANCE AND PAYMENT FAQs

Does Starting Point take my insurance?

We contract with Medicare, Medicaid, and 50+ insurance providers to ensure that we are reducing financial barriers to treatment. If you are unsure whether we contract with your insurance company, please call our main line at (904) 225-8280 and follow the prompts to speak to an operator. 

Do I need Insurance to receive treatment from Starting Point?

Not necessarily. Starting Point accepts cash, credit cards, and most insurance plans. For those without insurance, our services are made available on a sliding fee scale based on income and family size. We also have grant-funded programs that do not require any co-pay for those who qualify. If you are looking for insurance coverage, we can help. We have a Marketplace Navigator on staff who is here to help individuals without insurance find an affordable and comprehensive insurance plan that meets their needs. 

Why are mental health and substance use services covered differently by my insurance?

Health Insurance providers often use a separate contracted company for mental health and substance use services. These companies, known as ‘carve-outs’, are behavioral health organizations (BHO) that contract with the primary health insurance company to manage your mental health and substance use services. Starting Point may in fact have a contract with your primary insurance company but does not always contract with the carve-out company. In order for your mental health or substance use treatment at Starting Point to be covered by insurance, we must also have a contract with the carve-out company. 

What is a Marketplace Navigator?

A trained Marketplace Navigator assists people with applying for insurance coverage in the Federal Marketplace. They help consumers review the basics of health insurance, walk them through filling out the online application and explain how federal tax credits for premiums and cost-sharing work. Unlike insurance agents and brokers, marketplace navigators have no financial stake in the plans that consumers select and the help a Navigator provides is always free and unbiased. 

What can I expect from my appointment with the Marketplace Navigator?

Your appointment with a Starting Point Marketplace Navigator is generally a few hours long. It is important to bring your salary information (if any) with you. The Navigator will assist you with finding a health insurance plan that meets your needs. Then, the Navigator will help you find any eligible tax credits that can significantly reduce your monthly premiums for the year. Tax credits are based on income and a variety of other factors. In some cases, the monthly premium can be as low as $10/month.

When is Open Enrollment?

Open enrollment begins on November 1st, 2021, and runs through January 15th, 2022. Consumers that sign up for coverage by December 15th, 2021 will be insured by January 1st, 2022. If you meet certain Qualifying Life Events (QLE), you will be eligible to enroll in coverage outside of the Open Enrollment window. Among others, Qualifying Life Events include things like:

 

  • Losing existing healthcare coverage
  • Getting married or divorced
  • Having a baby or adopting a child
  • Death in the family
  • Moving to a different ZIP code or county

 

If you are unsure whether your situation or circumstance is a QLE, please book an appointment with our Marketplace Navigator anyway. We will let you know if you are eligible for coverage.

*The Marketplace Navigator can assist individuals seeking Medicaid year-round.