50 minutes: $150
75 minutes: $175
75 minutes: $175
In Network, Out of Network or Fee for Service? What are your options?
Many health insurance plans provide coverage for outpatient psychotherapy and a call to your insurance company can help you determine your mental health plan coverage. In-network benefits cover psychotherapy with the professionals who sign contracts with the insurance company providing services for you. The insurance company oversees your treatment and authorizes the number of sessions allowed for a certain mental health condition.
Out-of-network benefits cover psychotherapy with the professional you choose. Most plans require you to pay a deductible and then they reimburse a percentage of the fee once the deductible is met. Your psychotherapy is not managed and authorization is not required. Some insurance companies will agree to reimburse me directly so you do not have to pay as much out-of-pocket at the time of our session.
My practice is out-of-network for some insurance plans. Although obtaining psychotherapy on an out-of-network basis may be more expensive, there are many benefits.
Insurance companies require regular treatment plans to be submitted by their in-network providers to continue authorizing sessions, but such plans are not required out-of-network. There can be a lack of clarity or after-the-fact decisions about what the insurance company will cover in-network, resulting in surprise balances billed to patients. Finally, insurance companies can and do audit in-network psychotherapists’ records, further compromising confidentiality.
By obtaining psychotherapy on an out-of-network basis, you avoid all of these issues that compromise your confidentiality and autonomy of treatment. All treatment decisions are made solely between you and me, including the type of therapy used, its length, and who should or should not be consulted. Although my practice is a combination of in-network, out-of-network, and fee-for-service, I assist in obtaining reimbursement from your insurance company.
Fee-for-service therapy has the highest level of security and confidentiality, as only a judge may request my client records via a subpoena. Insurance companies are not involved, thus your mental health diagnosis will not become part of your medical record and stays only between you and me. This choice protects you from acquiring a pre-existing behavioral health condition on your medical record.
If I am an in-network provider for your insurance, I’ll file all claims for you via my billing service. If you have other insurance, you can check your policy for “out-of-network mental health benefits,” which may have a higher co-pay and deductible. If you have this option, you may be reimbursed by your insurance company for a portion of my fee. I will give you receipts that you can file for reimbursement with your insurance company.
In some cases the costs of my services may be subtracted from your pretax medical withholding account (i.e. Flexible Spending Account), thus discounting your actual expenses.