Although we are not in-network providers with your insurance, you are still able to use your benefits by filing a reimbursable claim. When you select this option, your insurance carrier will reimburse you for a percentage of the cost of therapy. You will be responsible for paying the full session fee at every session, regardless of annual household income, then submitting a claim to your insurance carrier for partial reimbursement.
Questions to Ask
Before making this decision, please call your insurance carrier to determine a few specific pieces of information:
Will they accept out-of-network claims for psychotherapy?
What is your annual out-of-network deductible for mental health services, and does this deductible include your other medical expenses? This is the total amount you will have to pay out of pocket before your insurance carrier reimburses you for sessions.
What is your coinsurance rate? This is the percentage of each session fee your insurance will reimburse after you've met your deductible for the year.
What is your out of pocket maximum? Once you've paid this amount out of pocket for the year, insurance will reimburse you 100% of the full session fee.
What is the best way to submit a claim (along with a Superbill) to your insurance carrier? A Superbill is a summary of how much you’ve paid for each session. I can provide this to you after each session, or after a few sessions (i.e., at the end of every month).
How does this work?
When you submit a claim form and Superbill to your insurance carrier, the amount you’ve paid for therapy goes toward your annual out-of-network deductible. After you've paid the entirety of this deductible, your insurance carrier will begin reimbursing you for each session according to your coinsurance rate. Once you’ve paid your yearly out of pocket maximum, your insurance carrier will begin reimbursing you 100% of the amount you’ll pay for each session.
Getting the Most Out of Your Coverage
Depending on your other medical expenses for the year and how quickly you meet your deductible and out of pocket maximum, submitting claims this way can make therapy very affordable.