I accept Horizon Blue Cross Blue Shield (BCBS) for counseling services.
If I am not in your insurance network, I work on a fee-for-service basis and, therefore considered “out of network.” Out-of-network benefits may cover psychotherapy with the professional you choose.
Although you are free to submit claims to your insurance company yourself, please be aware that I do not become involved in this process. As a courtesy, I will provide you with the necessary billing and diagnosis codes in order for you to receive the benefits you are entitled. It is very important that you find out exactly what mental health services are covered by your insurance policy. Even if you submit the claims yourself, you may not be reimbursed for services. In addition, once an appointment has been scheduled, you will be expected to pay for your scheduled session unless you provide 24 hours advance notice of cancellation.
Please note that mental health therapy services qualify as a tax-deductible medical expense.
Depending on your current health insurance provider or employee benefit plan, it is possible for services to be covered in full or in part. Please contact your provider to verify how your plan compensates you for psychotherapy services.
I’d recommend asking these questions to your insurance provider to help determine your benefits:
- Does my health insurance plan include mental health benefits?
- Do I have a deductible? If so, what is it and have I met it yet?
- Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
- Do I need written approval from my primary care physician in order for services to be covered?
The BENEFITS of using out-of-network/fee-for-service providers.
Although obtaining psychotherapy on an out-of-network basis may seem more expensive, there are many benefits. Insurance companies require regular treatment plans to be submitted by their network providers in order to continue to authorize sessions. There can be a lack of clarity and/or after-the-fact decisions about what they will cover, resulting in surprise balances billed to patients. Finally, insurance companies can and do audit in-network psychotherapists’ records, further compromising confidentiality.
Obtaining psychotherapy on an out-of-network basis avoids all of these issues that compromise confidentiality and autonomy of treatment. All treatment decisions are made solely between patient and therapist, including the type of therapy used, its length, and who should or should not be consulted.
Clients using in-network medical insurance can pay their co-payments and/or coinsurance fees by cash or check.
Clients who are not using medical insurance for treatment, or are using out-of-network benefits can pay session fees using cash, check, or credit card.
Please be aware of my Cancellation Policy: At least 24 hours advanced notice is required to cancel or reschedule appointments. Full payment is required for cancellations without proper notification. This payment can not be billed to your insurance company.
Any Other Questions
Please contact me for any additional questions you may have.