Insurances Accepted
Dr. Melaragno is an in-network provider for all of the below insurance products.
* = Insurances accepted by Jason Mishoe PMHNP-BC. Jason does not accept Medicare, Medicare Advantage or Medicaid/Masshealth plans.
Please see other important notes at bottom of page
Commercial and Medicare Advantage (replacement products)
*Blue Cross Blue Shield of MA
*United Healthcare
*Allways Health Partners/Mass General Brigham Health Plan
*Harvard Pilgrim Health Care
Cigna
*Aetna
*Tufts Health Plan
Fallon Health
Unicare State Indemnity Plan
Beacon Health Options
New York State Empire Plan
Emblem Health/GHI
Providence Plan Partners
Medicare/Masshealth/subsidized products
Medicare Part B, aka “Medicare Original”
Massachusetts Behavioral Health Partnership
Health New England, aka “Be Healthy”
Wellsense
Fallon Health
Masshealth Standard
Mass General Brigham ACO
Tufts Public Plans (aka “Tufts Health Together”)
Please note:
Insurance rarely pays 100% of the cost of each visit, and in some cases may cover very little. After each session is completed, Mellominds will bill insurance for services rendered. After some time (usually 2-8 weeks), Mellominds will receive the portion of payment covered by insurance along with a breakdown of amount owed by patient for deductibles, copays and/or coinsurance. Mellominds will then directly bill patient for these remaining balances not covered by insurance.
Patients with deductible requirements for in-network care may need to pay the full “allowed amount” of visit charges until deductible is satisfied, after which patients will pay a predetermined fixed copay amount or a coinsurance that is a fixed % of the allowed amount.
Example with a high-deductible plan:
Margaret sees Mellominds weekly for 55 minute psychotherapy and medication management sessions, for which the billed charge is $320 per session and the allowed amount (contracted rate between Mellominds and Insurance) is $300. Let’s assume for convenience that Margaret does not attend any other healthcare visits besides an annual preventive physical exam, which the insurance company pays in full. Her individual insurance plan has a deductible of $6,000 for in-network care, which is not waived for mental health visits, and a co-insurance of 40%. Thus Margaret must pay $6,000 out of pocket for in-network care before the insurance company will begin paying 60% of the visit.
$6000/ $300 allowed by insurance per visit = 20 visits at full cost
After 20 visits, Margaret will pay 40% of the allowed amount, or 0.40 x $300 = $120 per visit for the rest of the calendar year, when the deductible resets.