Insurance Coverage & FAQs
Who is the TCOOO program intended for?
The Taking Care of Our Own Program is intended for use by all interns, residents, fellows, and physician faculty members. We are happy to meet with entire departments and divisions with multiple disciplines included.
Are TCOOO services confidential?
Sessions with TCOOO providers are fully confidential. As licensed medical providers, we do document our patient encounters and use the Epic EMR to do so; however, we keep all documentation to a minimum to maintain your privacy. Furthermore, we are very selective with diagnoses used and will speak with you before documenting anything that would potentially need to be reported on medical licensing questionnaires. Program directors or department leadership is NOT notified of a physician’s involvement with TCOOO unless the physician is involved in the decision to do so first.
Will my insurance cover this?
The Taking Care of Our Own Program is excited to announce that we are now taking insurance for both housestaff AND faculty! Please check with your individual insurer to determine how much mental health is covered under your specific insurance plan.
For more information about insurance coverage, please click the appropriate box below:
TCOOO providers are in-network with the State Health Plan and covered at 100%, although you may have a $25-45 copay depending on your specific plan. For more information about Faculty insurance coverage, please refer to your Blue Cross Blue Shield State Health Plan Benefits Booklet, or contact Dorrie Lassiter in Faculty Practice HR Benefits if you have additional questions or inquiries about supplemental coverage.
If you have the ’22-23 UMR PPO Copay plan option, TCOOO visits will be covered at 100% with a $10 copay. If you have the UMR High Deductible plan, your deductible will have to be met first ($1500 single; $3000 family) and then 90% of the cost of a TCOOO visit will be covered. For more information about GME Insurance Coverage please review the GME Benefits booklet below or contact the GME office at 984-974-1072.
What if I want to see a non-UNC provider for care?
If you would prefer to see a provider outside of UNC there are many in-network options depending on your health insurance. We always recommend confirming coverage based on your specific plan by calling your insurance provider.
For faculty, you can use the Blue Cross Blue Shield State Health Plan provider search to find covered providers. In-network providers will be covered at 100% and may have a $25-45 copay per visit depending on your plan. Out-of-network providers will be reimbursed at 40-50% depending on your plan and there is additional reimbursement available through the FP Supplemental Coverage. Contact Dorrie Lassiter (919-843-8608) for information about the FP supplemental benefits.
For house staff, you can use the United Behavioral Health provider search. Provider coverage will depend on your specific plan and whether you have the high deductible option or not. The UMR PPO Copay plan option should cover in-network behavioral health office visits at 100% with a $40 copay and out of network at 60% after deductible. If you have the UMR High Deductible plan, your deductible will have to be met before a portion of behavioral health appointments will be covered. With the high deductible plan, costs will be reimbursed after your deductible is met between 65-75% depending on whether it is an in-network provider or out-of-network provider. The deductible amount increases depending on the tier of provider (UNC vs In-network vs Out-of-network), please refer to your benefits package for exact amounts.
If you would like assistance in finding an appropriate referral you can contact Holly Krohn at email@example.com.