I have chosen to remain an “out-of-network” provider for all insurance companies. In my experience, this allows me to provide a higher quality of care, independent from insurance-based rules or decisions. Accordingly, full payment is due from you at the beginning of each therapy session. I accept payment by cash, check or credit card.
It is your choice whether you would like to apply for insurance reimbursement or not. Although I do not accept direct payment from insurance companies, I provide a “super-bill” to you which includes the standard information (such as diagnosis and treatment codes) that most insurance companies require. You then submit the super-bill to your insurance company for reimbursement. Please note that I do NOT fill out any forms that are created by your insurance company and do NOT correspond directly with them in any way.
For couples therapy, most insurance companies will reimburse for therapy involving two people if one person has been given a diagnosis.
To find out more about your coverage, call your provider, get the name of the person you’re speaking to, and ask the following questions:
1. Does my policy cover out-of-network outpatient psychotherapy for me?
2. Is there a limit to the number of visits allowed?
3. Is a doctor’s referral required?
4. Is pre-authorization required? What is the name and number of the person to be contacted?
5. Is there a deductible and how much is it?
6. Is it a yearly deductible?
7. How much of the deductible do I have left over to meet?
8. What percentage of my therapy bills will my policy cover?
9. What is the address of the office where I should send my claims?
10. To whose attention is the claim to be sent?
Many clients have been successful in utilizing a Health Savings Account (HSA) and/or Flexible Spending Account (FSA) for reimbursement of accrued therapy expenses. Please note, it is my standard policy to provide a monthly electronic copy of each client’s statement for personal record or reimbursement purposes. This can serve as documentation for your FSA or HSA.
I understand that financial concerns may lead you to use an in-network provider. Please be aware that there are local non-profit agencies that provide low-cost counseling services.