Insurance Considerations
Currently, we work with Anthem BCBS, United Health Care, Aetna, Cigna. Please note that there are some policies within these organizations that we are unable to accept at this time. Please contact your insurance company to determine if we are in-network.
Many insurance plans allow members to see any provider a member chooses, and will pay for some or all of that treatment. If your insurance plan does cover providers who are out-of-network, we can provide the required documentation so that some or all of your payments are reimbursed.
Should I Use My Insurance Benefits?
This, like all decisions about your health and well-being is important and personal. We hope to provide some information for you to consider as you decide. Insurance can help to make therapy more affordable. The client will be responsible for any co-pays and deductibles. Prior to making the decision to use your insurance benefits, it may be helpful to contact your insurance company to better understand your benefits. You will want to ask about:
(in and out of network) any deductibles, co-pays or co-insurance and your financial responsibilities.
(out of network) percentage of reimbursement for out of network counselor.
Other Considerations
Insurance companies only cover care that is "medically necessary". This means, that they will typically only cover therapy for issues that have a recognized mental health diagnosis attached to them. Your provider will be required to submit a diagnosis in order for you to get reimbursed for any therapy that you engage in. When submitting a claim to your health insurance, you permit your provider to provide the clinical information that the insurance company requires to substantiate the medical necessity of your care.
Thus, your diagnosis and the supporting evidence for that diagnosis becomes part of your health record. Some feel this is a risk that could potentially impact other areas of life that take your health record into account. Please be sure to talk with your therapist about any concerns before moving forward with a session. By choosing to not use insurance, you have more choice about who you see, how long you stay in therapy and what your therapy looks like. You also gain a higher level of privacy related to your health information.
When cost is an issue, you may need to use your health benefits to access services. Using health insurance may be the only way for you to get treatment. Ultimately, you can look at the advantages and disadvantages of each option and make an informed decision about what will be best for you.