Let's Talk! Counseling and Services - Secure Client Area

DO YOU ACCEPT MY INSURANCE?

We are not currently in-network with any insurance plans. The biggest reason for this decision is privacy. If you go through your insurance for therapy, the insurance company has the ability to require access to any notes from private therapy sessions to determine whether or not treatment is medically necessary and if they're going to help cover the sessions. 

The other main reason is that it gives clients the ability to control their own treatment. In order for insurance to cover therapy, they typically require clients to be labeled with a specific diagnosis and THEY dictate the course of treatment they're willing to cover including how many sessions you get and even what has to be covered in the sessions leaving a lot less flexibility for you to determine what you want to work on, how you want to work on it, and at what pace.

It also protects clients from having a mental health diagnosis on their permanent medical record. Without insurance, we aren't required to diagnose and if there IS a diagnosis, it stays confidential.

CONSIDERATIONS IF YOU WOULD LIKE TO USE OUT-OF-NETWORK BENEFITS TO SUBMIT CLAIMS FOR POTENTIAL REIMBURSEMENT OR CREDIT TOWARD YOUR DEDUCTIBLE:

• Your insurance plan may not provide out-of-network coverage- meaning they may not help cover the cost of any out-of-network services such as those received from me or any other provider who does not accept your insurance.
  

• Your insurance plan may not consider therapy for you "medically necessary" unless you meet specific criteria- Common concerns insurance does not consider "medically necessary" include such issues as managing current life stressors, relationship problems, or grief after the loss of a loved one. This means your insurance will NOT reimburse you for a portion of your sessions unless you meet the following criteria: 
  • You have a mental health diagnosis for which your insurance considers treatment to be "medically necessary" and 
  • Your ability to function must be significantly impaired by the symptoms of your diagnosis. 

If you decide you would like to submit your claims for therapy and try to seek reimbursement, here's the good news:

• You'll be seeing a specialist- meaning often when you go with a therapist who accepts insurance, you will be seeing a "generalist", someone who has some experience in working with your concerns but also works with many other types of concerns as well

• Therapy may actually be cheaper out of network - meaning between the potential for reimbursement from your insurance as well as the cost difference between in-network and out-of-network therapists, depending on your insurance it may actually be cheaper to go with an out-of-network provider

HOW DO I SUBMIT CLAIMS TO MY INSURANCE FOR POSSIBLE REIMBURSEMENT USING OUT-OF-NETWORK BENEFITS?

Step 1

Let your therapist know from the beginning that you'd like to submit your sessions to insurance for possible reimbursement. You'll need to pay for your session out of pocket at the time of your appointment. To assist with reimbursement, your therapist will need to designate a diagnosis code and procedure code that your insurance company needs to process your claim.

Step 2

After session, print a copy of the invoice for the session which should include the following:

• Contact information for your therapist
• Your therapist's provider numbers (their license number, national provider number, and EIN)
• Your diagnosis code (if you meet criteria for one)
• Your service code
• The date of service

Step 3

Submit the invoice to your insurance using one of these options:

• Through your insurance plan's website
• Via hardcopy mail - You will need to call your insurance provider to ask about any specific forms your might need to include with it if you are going with this option