Insurance and Payments

I do not work with insurance companies directly, but my services can be billed to most insurance carriers as an out-of-network provider. Many insurance companies that provide out-of-network benefits cover a percentage of the cost per session. I will provide you with an invoice to submit to your insurance company for reimbursement upon your request. 

Before making an appointment, you might like to have a sense of your “out-of-network benefits” so you can know what to expect in terms of your financial commitment. You can call your insurance provider; the number should be on the back of your insurance card, or you may be able to find the answers to these questions on your insurance company’s website.

Specifically, you should find out:

• Do I have mental health benefits through my health insurance provider?
• If I have mental health benefits, are out-of-network benefits included?
• Is there a deductible I need to meet each year before I can begin to receive reimbursement for sessions?
• Is any pre-approval (authorization) required before obtaining out-of-network mental health services in order to be reimbursed?
• Is there a co-pay, if so how much is my co-pay per session?
• Are my sessions limited per calendar year? If so, how many therapy sessions am I allowed to be reimbursed for?
• What amount will I be reimbursed (reasonable and customary amounts) for the initial evaluation and subsequent sessions for a clinical social worker?

You will be required to pay a certain percentage out of pocket, on average, these range from 20% to 50%. Make sure to ask your insurance company!