When using health insurance your co-pay or deductible is expected at each session. If your insurance is invalid at this time, you are responsible for the entire bill. Please verify your coverage before the session,
Please be aware that if you use your health insurance, I am required to issue a diagnosis to your health insurance company. For billing purposes, your insurance provider requires you to receive a psychiatric diagnosis, such as major depressive disorder, generalized anxiety disorder, bi-polar disorder. If you wish to obtain private health or life insurance in the future, this information is open to review and could result in you being denied coverage. Paying privately avoids this risk.
In addition, your health insurance reserves the right to limit sessions, request justification for treatment, request a copy of the therapy notes, request to speak to your therapist to justify the diagnosis, treatment plan, prognosis and anticipation of termination of services. Various people at the health insurance company will have access to your information. It is also possible that any diagnosis could be reported to the MIB (Medical Information Bureau).
Note: Phone Sessions, cancellations and no-shows are not covered by insurance.
Some clients choose to Self-Pay as it's free of the restrictions from health insurance and managed care companies. Your diagnosis is not shared with insurance companies. No authorizations are required or limitations set.
Less costly than you might think:
You may be able to use your out-of-network benefits. Once you have met your out-of-network limit, you are reimbursed the amount the insurance company would pay me, less any copay/co-insurance amount. You can also use your Health Savings Account to pay for sessions.
I am currently in-network with the following insurance companies and may be on additional panels.
If you have a Flexible or HSA account you can use it to pay for therapy.
You are reimbursed through this account when you submit receipts.
Check out: HSA: Eligible and Ineligible Expenses