How to pay an excess on your policy

Why do I need to pay an excess?

As per the terms of your insurance policy with Vitality, you may be asked to pay in contribution to the cost of your claim. Although Vitality authorise up to 8 sessions in the first instance, if there is an excess to pay you will be liable for the charge. If you are unsure what excess you have and if you would need to pay towards the cost of your claim, you are best to discuss directly with Vitality before registering or making any further bookings. My Online Therapy does not have any information around client's policy cover or excess other than what is provided by Vitality to validate your policy upon registration. 

How do I pay an excess?

Invoices are submitted to Vitality once the session is complete. If you are liable to pay for the session in part or for the full amount, Vitality will send you an invoice directly detailing which session(s) you need to pay for and for how much. The invoice will advise you that My Online Therapy will contact you to arrange payment. You do not need to pay Vitality any excess owed, as all money owed is linked to your MOT sessions and payment can be made directly with MOT or via our medical billing partner, Patient Billing 

Why have I been contacted by Patient Billing? 

My Online Therapy has a medical billing partner, Patient Billing who processes invoices for sessions with insurance clients. If you are liable to pay for an excess on your policy, Patient Billing will contact you in the first instance to advise how you can pay. You should have already received your invoice from Vitality at this point, so Patient Billing will only be asking you to pay what you have received notification of. You do not need to pay anything more or different to the invoice you have received.