a note about insurance

As mentioned on my FAQ page, I am out-of-network (OON) with all insurance companies. Particpants can choose either private pay or pursue reimbursement through their insurance plan. Private pay means the participant does not choose to receive reimbursement from their insurance plan, thus keeping their information out of their medical record.

At the start of each month, you’ll receive a “superbill” (basically a receipt of the prior month’s sessions) which you will send (via mail or upload on the insurance plan’s site) to your insurance company so they can reimburse you for a portion of the fee based on your “benefit schedule.” You can also choose to submit your claims electronically for a fee through Reimbursify.

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If you are choosing to use OON benefits, here are some helpful questions you should ask your insurance provider before beginning sessions with me so you’re fully informed of your financial investment:

1. Do you cover out-of-network benefits for psychotherapy via telehealth? How many sessions per calendar year are covered? Are there any limits?

2. What is my deductible, co-pay, or co-insurance? When does my deductible reset? After I’ve met my deductible, what percentage or amount of my services will be reimbursed?

3. What is the usual timeframe to receive reimbursement? 

4. How do I submit my superbill each month? Is there a window for timely filing? (for example, some insurances require a participant to fill out a brief subscriber claim form and mail or upload the completed form and your superbill to health insurance. This should be done as soon as possible upon receipt of a superbill. Be sure to verify all of this with your individual plan to be certain of their protocol.)

I know it can be tricky to navigate insurance. If you have any questions based on the information your insurance provides, I’ll do my best to help clarify!