Frequently Asked Questions
What does my insurance cover?
If you plan to use your insurnace benefits it is important for you to be well informed about your coverage and understand your out of pocket costs.
It may be helpful to call the number on the back of your card to inquire about your benefits.
Below is a list of questions it may be helpful to ask:
- Do I have a co-pay or co-insurance?
- Do I have a deductible, and if so has it been met?
- Is there out of network reimbursement?
- How many sessions per year are covered?
- What month does the coverage end or begin?
- Is a referral required for mental health treatment?
- Is pre-approval or "prior authorization" required for any services?
Insurance vs. Self-Pay: Considerations
Although you may have insurance coverage for mental health services some people choose to self-pay for services. There are several important things to consider when making the decision.
Seeking counseling support does not require "medical necessity" but insurance payment does. Therefore billing insurance requires me to provide a diagnosis. Your insurance company also may ask for personal information about you and your symptoms in order to decide how much treatment will be compensated. Although your diagnosis is protected health information, some feel a mental health diagnosis can be stigmatizing, others worry about personal privacy as this information may impact future decisions regarding medical benefits, life insurance, jobs etc.
When going through your insurance there are also limitations placed by the insurance company, this may include the type of treatment, length of sessions or the amount sessions covered per year.
I accept self-pay clients offering further peace of mind with confidentialty and allow my clients to feel in control of their treatment. Sliding Scale or Payment Plans can also be discussed on a case by case basis.