Thinking about using insurance?
You can file for out of network benefits with me. You pay me and I provide a receipt for you to file with your insurer. Then your insurer will pay you the out of network rate. So check to see if you have out-of-network coverage. In order to make the best decision about filing insurance, check your coverage carefully by asking the following questions:
- Do I have mental health coverage?
- What is my deductible and has it been met?
- How many sessions per year does my insurance cover?
- What is the coverage amount per therapy session for an out-of-network provider?
- Is approval required from my primary care physician?
By adding up those benefits, you can make an informed decision about whether or not it’s worth it to file.
Keep in mind that when you file with your insurance company, you will receive a diagnosis that is filed with the Medical Information Bureau. It will remain on file as part of your medical records for the rest of your life. If you apply for any type medical, health or life insurance, the therapist you see will be contacted and asked to release all records. In some cases, a mental health diagnosis can affect benefits or your premium.
For your protection and confidentiality, I recommend self-pay for therapy if at all possible. Insurance companies require disclosure of highly personal information, the confidentiality and privacy of which I cannot guarantee. Insurance companies also restrict the amount of sessions allocated. For these reasons and more, I choose not to be on insurance or managed care panels.
Fortunately, tax laws have created new programs that may help you pay for your therapy, even if you pay out of pocket. These include Medical Savings Accounts and Pre-Tax Flexible Spending Medical Accounts. Also, you can deduct the cost of therapy from your taxes if you itemize. It is considered a medical expense. Ask your Accountant or Compensation and Benefits Administrator if you qualify for either program. You can also pay me with a credit card.
Call me with any more questions. I look forward to helping out in any way I can.