Depending on your current health insurance provider or employee benefit plan, it is possible for services to be covered in full or in part. Please contact your provider to verify how your plan compensates you for psychotherapy services.
We’d recommend asking these questions to your insurance provider to help determine your benefits:
- Does my health insurance plan include mental health benefits?
- Do I have a deductible? If so, what is it and have I met it yet?
- Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
- Do I need written approval from my primary care physician in order for services to be covered?
Why pay out of pocket for mental health services?
As an out-of-pocket payer you have more control over your treatment than when using your insurance. You control the modality of treatment provided, the frequency, length and duration of therapy. You also have total assurance that the insurance company will not have access to your clinical records, which when using insurance they reserve the right to view your clinical information.
Insurance companies also require a formal mental health diagnosis in order to deem mental health services as medically necessary. However, many people desire therapy services for life issues and challenges that don’t require a mental health diagnosis. Additionally, having a diagnosis could have long-term effects on an individual’s life. For example, it could be considered a pre-existing condition and raise costs of coverage in the future for health or life insurance policies.
It may be surprising but there is research to demonstrate that when individual’s pay for their treatment, it increases treatment efficacy.
Out of Network
We sometimes can work with you as an Out of Network provider, depending upon your insurance company. This means that you would pay for services rendered up front and we provide you with a Superbill that is provided to your insurance company for reimbursement.
We accept cash, check and all major credit cards as forms of payment.
If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you may be charged for the full rate of the session.
Any Other Questions
Please contact us for any additional questions you may have. We look forward to hearing from you!
“Painting is just another way of keeping a diary.” — Pablo Picasso