Insurance questions answered
Page updated 11-27-2017
The process by which you have made the decision to reach out and get the support you need is deeply personal and private. Having the financial means within your budget is the next step. This page is meant to provide you with what you need to know about the financial commitment to make an informed decision about receiving the professional support you need and desire.
I don't take insurance at this time. That said, read on for further information about it and reimbursement.
Counseling is only reimbursable with certain plans. To find out if your plan-policy covers it, simply check with your provider to see if mental health services are covered in your plan.
The details below are what you will need when you speak with your company. I am considered an out-of-network provider. At this time, I have chosen not to panel with any insurance companies.
What does this mean? This means that when you contact them, they will likely ask you for my name. When they look it up, they will see I am not on the “list” of approved providers. This is what’s meant as not being “paneled.”
Sometimes if you have “out-of-network” services on your plan, then my services, mental health services, are covered.
If mental health services are covered, ask about the following CPT codes to see exactly what your policy covers for each service. All of these codes will likely not apply to you. That said, it's not known what is needed at this point. Here’s my recommendation: check all the codes so you can make an educated and informed decision. In this way you can enter into therapy to do your inner work with a clear mind that’s erased any potential financial surprises.
90791 for initial consultation and diagnostic evaluation
90837 Individual psychotherapy, 60 minutes
90834 Individual psychotherapy, 45 minutes
90832 Individual psychotherapy, 30 minutes
90853 Group psychotherapy
90839 Crisis – 60 minutes
90840 Crisis – 30 minutes
96150 health and Behavior assessment – initial (per 15 mins)
96152 Health and Behavior intervention - individual (each 15 mins)
If you are covered for services (out-of-network benefits) you will need submit your superbill statement for reimbursement. I do not submit. I will provide you with the superbill statement, which is essentially your receipt of attending a session and your payment. You can use it to seek your reimbursement.
If your policy does not cover mental health services, then you may still have other options. Some clients use their Health Savings Account (HAS) or Flexible Spending Account (FSA) to pay for counseling. What is a health savings account? What is a flexible spending account? The details of these questions are outside my area of expertise. I recommend that you learn more about them by doing some research and speaking to a qualified financial expert.
I hope this page has offered some help in providing answers and clarity. Money and the ability to pay can be a barrier to getting the help you need if you let it. It doesn’t have to be. There are counseling resources available for every budget. Let me know if I can answer further questions.