Financial Policies

Last updated September 22, 2026.

Neuropsychological evaluation is a specialized medical service requiring substantial clinical time, preparation, and interpretation. We are committed to clear communication about fees and financial responsibility before services begin.

Insurance

Two Rivers Neuropsychology accepts select insurance plans.

Prior to testing, benefits are verified and estimated patient responsibility is reviewed with you. Insurance benefit quotes are estimates provided by your carrier and are not guarantees of payment. Insurance coverage depends on the type of evaluation performed, the payer’s rules, and whether prior authorization is required.

Patients are responsible for deductibles, coinsurance, copayments, and non-covered services as defined by their plan.

Claims for covered services are submitted on your behalf when applicable.


Evaluation Types and Scope

Evaluation Type Description ‍ ‍

Focused same-day evaluation Used when the referral question can likely be answered through interviews, records,
questionnaires, observations, and targeted assessment. Includes brief results review and
written report.

Targeted neuropsychological Used in addition to focused evaluation services when specific objective testing is needed to clarify diagnosis or
evaluation functioning. May include more extensive results review.

Comprehensive neuropsychological Used when the case involves complex differential diagnosis, broader cognitive concerns, validity concerns,
evaluation neurologic history, learning and memory concerns, or more extensive feedback and documentation needs.

Because evaluation scope varies, fees and insurance requirements may differ by evaluation type. Some evaluations may require prior authorization, depending on the payer and the services needed. If the clinical question expands during the evaluation process, Dr. Rivers will discuss whether a different evaluation pathway is clinically appropriate.


Self-Pay

We welcome patients who prefer not to use insurance.

In accordance with federal law, self-pay patients receive a Good Faith Estimate outlining anticipated charges before services are provided.

If you receive a bill that is substantially higher than your estimate, you have the right to dispute it.


Comprehensive Evaluation Fees and Advance Payment

The following payment policy applies to comprehensive evaluations that require substantial reserved testing, scoring, interpretation, and report preparation time.

For certain evaluations, an advance payment may be required prior to testing. Advance payments:

  • Are applied toward your anticipated financial responsibility

  • Are not additional fees

  • Are reconciled after insurance processing (if applicable)

Any overpayment is refunded.

Advance payment practices comply with Medicare, Medicaid, and managed care regulations.


Credit Card on File

To streamline billing and minimize administrative burden, an active credit card is required at the time of scheduling. Charges are processed in accordance with your financial responsibility and applicable regulations.


Cancellation Policy

Because evaluation appointments require dedicated testing time that cannot easily be reallocated, 48 hours’ notice is required to cancel or reschedule.

Late cancellations and missed appointments may incur a fee. These fees are not billable to insurance.


Financial Hardship

We recognize that circumstances vary. In limited situations, financial arrangements may be reviewed prior to services. Requests must be made in advance and are considered individually.

Questions

Financial policies are reviewed in detail during intake, and we encourage you to ask questions before scheduling. Our goal is clarity, not surprise.

For administrative inquiries, please visit the Contact page.

Common Questions

  • We accept select insurance plans. Prior to services, we verify benefits and estimate patient responsibility. Our billing manager reviews this information with you. Claims for covered services are submitted on your behalf by us. Patients are responsible for non-covered services, deductibles, coinsurance, and copayments.

  • Yes. We provide detailed invoices (superbills) for submission to your insurance. Coverage and reimbursement rates vary by plan.

  • We offer self pay evaluations. If you are interested in a self-pay evaluation, we provide a clear outline of the fees upfront, in compliance with the No Surprise Act law regarding good faith estimates.

  • We recognize that circumstances may vary. In limited circumstances, we offer structured payment options. Details are provided during the scheduling process to ensure clarity before the appointment is confirmed.

  • No. We focus exclusively on neuropsychological evaluation. Referrals for therapy or medication management can be provided if needed.

  • From initial intake to the delivery of a comprehensive report, most evaluations are completed within 4–6 weeks. Scheduling and report delivery timelines are communicated at the start.

  • We provide evaluations for adolescents and adults, aged 16 through geriatric years.

  • Yes. Patients receive a written report with diagnostic conclusions and recommendations. In focused same-day evaluations, Dr. Rivers also provides a brief results review when possible. This is different from a separate extended feedback appointment, which may be available only when clinically appropriate and arranged as a separate service.