Helpful Information about Insurance
Services may be covered in full or in part by your health insurance or employee benefit plan for out-of-network providers. Please check your coverage carefully by asking your insurance company the following questions:
- Do I have mental health insurance benefits?
- Will they provide payments for out-of-network providers?
- How much does my insurance carrier pay for out-of-network providers?
- What documentation will they require for out-of-network reimbursement?
- Is approval required from my primary care physician?
- Do I want a diagnosis to be permanently registered on my personal health record?
- Could a diagnosis be an issue in the future for my life or employment possibilities?
Counseling and therapy are an investment in your life. Whether you pay for your care out of pocket or with the assistance of insurance reimbursements, your health and personal peace are something that can truly be considered priceless. Most people, when they look at the cost, initially think of an expense. But after consideration, and perhaps mentally amortizing the investment over the next 20 years of happier existence, they see that the investment is quite small in comparison to the value effective therapy gives. You and your family are worth the investment.
When clients ask me whether I “take” insurance or not, I reply with a “yes and no” answer. I am considered an out-of-network provider of care. I will provide you with an agency receipt which shows a CPT (Current Procedural Terminology) code for the session. Various Insurance carriers need that code on a receipt as documentation of the care. You may use that receipt to attach to your claim for reimbursement from your carrier for the fees that are due at the end of each of our sessions. You submit your claim(s) with my provided receipts and documentation directly to your carrier. Your insurance carrier may also require a diagnosis from the DSM V – the Diagnostic and Statistical Manual of Mental Health Disorders. My credentialing allows me to make such a diagnosis and I will, if you desire, provide you and your carrier with that coding as well, should they require it for your claim(s).
My clients who do want to use their insurance to reimburse themselves, tell me they typically get back around 50 – 70% of the fees.