I am not directly contracted with any insurance companies. However, most people are able to receive some reimbursement for therapy services depending on their current health insurance or employee benefit plan. In fact, many clients with out-of-network benefits find that they are able to have the majority of my fee covered by their insurance company.
Insurance can be complex, and, frankly, a pain in the butt to deal with! I recommend having the following conversation with your insurance company to learn whether they may reimburse your session fees:
“Hello, I’m planning to see a psychologist who does not take my insurance. Do I have out-of-network benefits?
Would I be eligible for reimbursement for these sessions through any out-of-network benefits I might have with my plan?”
If yes, ask the following questions:
How much is my out-of-network deductible?
How much of that deductible have I already met?
After meeting my deductible, what percentage of a 45-minute psychotherapy session (billing/CPT code: 90834) will you pay? How much will you pay if the fee is $160?
I am happy to discuss any questions you may have about this information. Additionally, if you plan to use your out-of-network benefits, I will help you complete all necessary forms to submit to your insurance carrier. I will also provide you with a monthly statement of services, which you can submit to your insurance provider for reimbursement. However, you, and not your health insurance carrier, are responsible for payment.
Please let me know if you have any financial concerns. I will try my best to work with your finances and suggest services accordingly. If for some reason I cannot accommodate you, I will do my very best to help you find the right services.