I am an out of network provider with insurance companies which means that I currently do not bill insurance companies directly (you pay me directly). Your counseling services may be eligible for reimbursement through out-of-network benefits, medical spending or health care savings accounts. Health insurance plans and benefits vary. If you are interested in using your health insurance to see me for psychotherapy, please call your insurance provider to ask about reimbursement for an out-of-network counseling services. I will provide you with a receipt at the end of each month which you can submit to your insurance company for out-of-network coverage/reimbursement.
Many clients choose not to involve insurance companies in their mental health care for understandable reasons. Thus, counseling is not limited by the mandates of insurance companies regarding diagnosis, treatment plan or session limits. Insurance companies often limit the number of sessions and even the type of therapy that a client is able to access.
To have therapy services covered under insurance, a mental health diagnosis must be made. This then becomes a part of your permanent health care record. This may lead to limitations such as denial for quality life insurance or health insurance later on. A mental health diagnosis must be made to obtain reimbursement; therefore, the insurance company usually retrieves a great deal of information about you to be covered. The insurance company can review all of your records at their discretion.
When you pay privately you retain your privacy, flexibility and control of your mental health record. Together, we will work collaboratively to decide how often to attend therapy and you decide what you want to focus on. You have the control, not the insurance company.
Fee schedule for private pay clients: