Frequently Asked Questions

Below are common questions from prospective patients seeking treatment.

DO YOU ACCEPT HEALTH INSURANCE?

Dr. Lloyd is currently in-network with Blue Cross Blue Shield PPO and Blue Choice plans. He does not accept Blue Cross Community plans or Medicare Advantage. Prior to scheduling an appointment, it is recommended to check with your personal plan to determine if services will be covered (including your responsibility for co-pays, co-insurance, and deductible).

Dr. Lloyd is considered to be an "Out-of-network" Provider and is not affiliated with other insurance providers. While he does not submit any insurance claims for other plans, he is able to provide you with a billing receipt with the information necessary for you to submit this to your insurance carrier ("superbill"). Because details vary widely, you should contact your insurance carrier for specific information if you are going to seek reimbursement.

WHAT IS CONSULTATION-LIAISON (CL) PSYCHIATRY?

CL Psychiatry is a field that specializes in the interface between Medicine and Psychiatry, with particular focus and consideration of brain-body interactions. Physicians trained in this area will address a person's mental health in the setting of other medical illnesses. It focuses on the bi-directional relationship between brain and body.

WHAT CAN I EXPECT IN THE INITIAL CONSULTATION?

Dr. Lloyd will ask you about the reason(s) you are seeking treatment now. He will inquire about prior treatments, medical conditions and treatment you have received, substance use, and will try to understand your social background. He will work understanding your diagnosis and discuss potential treatment options. The appointment lasts for about 75 minutes and may include reviewing medical records and reaching out to collaborate with other clinicians, therapists, or close family/ friends. In some cases, this may be completed in a 60-minute session. Dr. Lloyd performs all initial assessments in person (in the office).

WHAT HAPPENS AFTER THE INITIAL CONSULTATION?

Dr. Lloyd will discuss his clinical impression and potential treatment options. If it is indicated, he may suggest medications that might be helpful and will discuss the pros and cons of this type of treatment. He may also recommend a type of therapy as a treatment option. In some cases, he is able to provide psychotherapy, although may need to refer to other skilled therapists depending on the condition and type of treatment indicated. He is also able to work closely with your therapist if you already have an established therapist. In some cases, he may refer to other types of programs and treatment options. Being the only individual in the practice, he is not able to provide treatment for all conditions and some may require more intensive treatment programs or interdisciplinary approaches. If this is the case, he will provide referrals for treatment.

WHAT IF I AM UNABLE TO ATTEND MY APPOINTMENT?

If you need to cancel a visit, I require 48 hours advanced notice of cancellation (two business days) prior to the start of each visit. This includes the initial consultation. If you do not provide proper notice of cancellation, then you will be charged the full session fee. Dr. Lloyd uses a patient portal and this is the best way to communicate any changes in appointment times.

DO YOU USE TELEMEDICINE FOR APPOINTMENTS?

Yes! From the pandemic we have learned that telemedicine is an efficient way to provide treatment to a wide range of patients in many geographic locations in a convenient fashion. Dr. Lloyd performs the initial consultation in person and, when indicated, will offer the option of telemedicine to many patients. There are times when patients will need to be seen in person, and this may change depending on state and federal laws. Because Dr. Lloyd is licensed in the state of Illinois, all patients MUST be located in Illinois for their appointment when using telemedicine. The platform used is a HIPAA-compliant zoom meeting integrated in the electronic medical record.

GOOD FAITH ESTIMATE

Under the law, health care providers need to give patients who don't have insurance or who are not using insurance (self-pay) an estimate of the bill for medical items and services. You have the following rights under these circumstances:

The right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day prior to your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
Make sure you save a copy or picture of your Good Faith Estimate.

For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 1-800-985-3059.