Frequently Asked Questions
Here is where you can find commonly asked questions about our services, scheduling, and policies at STACS. This resource is designed to give you clarity wherever you need it.
How long are the therapy sessions?
STACS recomends a 45-60 min session in order to provide you with the best support possible. If you would like a shorter or longer session please let your therapist know ahead of time if possible.
- 16-37 min $96
- 38-52 min $150
- 53 + min $198
Can I pay online and arrange my own appointments?
Yes! Once you agree to work with a therapist at STACS you will be provided with a link to your own personal portal where you can pay by credit card, input demographic data and schedule your own appointment times.
- You can select this link: https://stacs.mytheranest.com/home/login
What if I don’t want to use insurance?
You can pay with cash and our agency will not bill your insurance. If you choose this payment option your therapist will have you complete a form indicating that you are opting out of utilizing your insurance.
What if you do not accept my insurance?
STACS can provide you with a reciept of payment so that you can submit your claim to your insurance company.
What insurance do you accept?
- ASR Health Benefits
- Blue Cross Blue Shield
- Blue Cross Complete
- Blue Care Network
- Cigna
- McLaren
- Priority Health
- United Behavioral Health
- United Health Care
Why do insurance plans use deductibles and coinsurance?
They help share costs between you and the insurer, keeping premiums more affordable and
encouraging responsible use of services.
Is coinsurance the same as a copay?
No. A copay is a fixed amount, while coinsurance is a percentage of the total cost.
Is a higher deductible better?
A higher deductible usually means lower monthly premiums, but more out-of-pocket costs if you
need care.
Do all services require meeting the deductible first?
Not always. Some plans cover certain services (like preventive care) before the deductible is met.
Can you give an example of how they work together?
Example: Deductible $1,000, Coinsurance 20%, Bill $5,000. You pay $1,000 + $800 (20% of
remaining $4,000). Insurance pays the rest.
What is an out-of-pocket maximum?
This is the most you will have to pay in a year for covered services. Once you reach this limit, your
insurance pays 100% of covered costs.
Do I always have to pay both?
In many plans, yes. First, you pay your deductible, then you pay coinsurance until you reach your
out-of-pocket maximum.
What is the difference between a deductible and coinsurance?
Deductible: What you pay before insurance starts helping. Coinsurance: Your share of costs after
the deductible is met.
How does coinsurance work?
For example, if your plan has 20% coinsurance, you pay 20% of the cost of covered services, and
your insurance pays 80%.
What is coinsurance?
Coinsurance is the percentage of costs you pay after you’ve met your deductible. The insurance
company pays the remaining percentage.
How does a deductible work?
If your deductible is $1,000, you must pay the first $1,000 of covered expenses yourself. After that,
your insurance starts sharing the cost.
What is a deductible?
A deductible is the amount you must pay out of your own pocket for covered services before your
insurance begins to pay.
How do I choose the right insurance policy?
Consider your needs, budget, and risks. Compare policies, coverage limits, deductibles, and
premiums before deciding.
What happens if I miss a payment?
If you miss a premium payment, your policy may lapse (be canceled), meaning you no longer have
coverage.
Why do I need insurance?
Insurance helps protect you from financial hardship. Without it, you may have to pay large
expenses on your own.
What types of insurance are there?
Common types include health insurance, auto insurance, homeowners or renters insurance, and
life insurance.
How are premiums determined?
Insurance companies set premiums based on risk factors such as age, location, health, driving
record, or property value.
Are all situations covered?
No. Insurance policies include exclusions—things that are not covered. It’s important to read your
policy to understand what is included and what is not.
What does coverage mean?
Coverage refers to what your insurance policy will pay for. Each policy lists specific situations and
costs that are covered.
What is a claim?
A claim is a request you submit to your insurance company asking them to pay for a covered loss or
expense.
What is a deductible?
A deductible is the amount you must pay out of pocket before your insurance starts to cover
expenses.
What is a premium?
A premium is the amount you pay—monthly, quarterly, or annually—to keep your insurance policy
active.
How does insurance work?
Insurance works by pooling money from many people. Everyone pays premiums into a shared fund.
When someone experiences a covered loss (like an accident or illness), the insurance company
uses that fund to help pay for the costs.
What is insurance?
Insurance is a financial product that helps protect you from large, unexpected expenses. You pay a
regular amount (called a premium), and in return, the insurance company helps cover certain costs
if something goes wrong.
Everyone deserves the support and understanding to grow. We’re here to help you with building resilience towards life’s challenges and move forward with confidence.