Most insurance will reimburse our services at either a "network" or "out-of-network" rate. Your therapist will be glad to either provide you with a receipt, so you may file a claim for reimbursement from your insurance company, or file on your behalf. Because there are some disadvantages of filing for psychotherapy with your insurance company, you may want to read about the Benefits of Paying Privately for Therapy.
Benefits of Paying Privately for Therapy
Privacy: Insurance companies have numerous people examining your files at various stages: people who authorize payment, track your progress, audit psychotherapy practices, input data, print bills, and so on. By not involving your insurance company, your private personal information stays in your therapist's office. Your therapist is the only person who has access to it except under specific circumstances which are outlined in the “Informed Consent and Privacy Practices.”
Control: Insurance companies will often authorize only a certain limited number of sessions and can arbitrarily stop paying for sessions for a variety of reasons. Insurance companies make money by getting you out of therapy as soon as possible, whether your issues are resolved or not. You and your therapist should make the decision together, when you are ready--not allow a corporation to tell you when to stop therapy.
Your Future : Your insurance provider requires you to receive a psychiatric diagnosis for your issue (e.g. major depressive disorder, generalized anxiety disorder, bipolar disorder). If you wish to obtain private health or life insurance in the future, this information is open to review and can result in you and your family being denied coverage. Paying privately avoids this risk.
What About Using My Insurance Benefits?
Payment is due at the beginning of each session in the form of cash, check or any major credit card. If you choose to use your insurance for therapy, your therapist will be glad to provide you a receipt for services, which you may submit with your claim to your insurance company or may file on your behalf. Your insurance company can then reimburse you at the level they have predetermined. Some insurance companies allow clients to apply psychotherapy fees to their yearly out-of-pocket deductible. Also, some employers allow the use of flexible spending accounts, medical savings accounts, or health reimbursement arrangements.
How to Find Out, About These Options : To determine if you have out-of-network benefits, call the telephone number on the back of your insurance card. The customer service representative will be able to answer your questions. Be sure to ask what documents they require in order to reimburse you. To determine if you may utilize a flexible spending account, medical savings account, or health reimbursement arrangement to pay for therapy, call your employer’s human resources or benefit department. Be sure to ask what procedures you must follow and what documentation they require in order to reimburse you.