Frequently Asked Questions

What is the difference between using in-network insurance, using out-of-network insurance, and paying privately? 1. In-Network Coverage: This refers to therapy sessions provided by mental health professionals who are contracted with your insurance company. When a therapist is in-network, it means they have agreed to accept the negotiated rate from your insurance company for their services. As a result, your out-of-pocket costs for therapy sessions are typically lower when you see an in-network provider. Your insurance plan will usually cover a portion of the cost, and you may be responsible for a copayment, coinsurance, or deductible, depending on your specific plan. If you would like an in-network therapist and have an insurance that I am not currently in-network with, I recommend that you use platforms like https://www.psychologytoday.com/us/therapists or https://www.therapyden.com/ to search for a therapist using insurance filters. 2. Out-of-Network Coverage: If you choose to see a therapist who is not contracted with your insurance company, you're accessing out-of-network coverage. In this case, your insurance plan may still provide some coverage for therapy sessions, but typically at a lower rate than if you were seeing an in-network provider. You may have to pay the therapist's full fee upfront and then submit a claim to your insurance company for reimbursement. I help you with this claim by providing you a Superbill that holds all the information requested in the claim. The amount you receive back from your insurance company varies depending on your plan. At times, you can expect to receive 60-80% of your session cost. There are services out there that help you simplify this process, researching your out-of-network coverage and submitting claims for you. Examples of these services are https://www.thrizer.com/ and https://www.mentaya.com/ . 3. Private Pay: This means paying for therapy sessions entirely out of your own pocket, without involving insurance. Some people prefer private pay for various reasons, such as privacy concerns or wanting to see a therapist who doesn't accept insurance. While private pay means you have full control over your therapy sessions and confidentiality, it can also be more expensive compared to using insurance. Each option has its pros and cons, and the choice depends on factors like your financial situation, insurance coverage, and personal preferences regarding therapy. It's essential to carefully review your insurance plan and discuss payment options with your therapist to make the most informed decision.