FEES AND INSURANCE

I am an in-network provider for the following insurance companies.  I will submit insurance claims on your behalf.

In network:

  • Aetna
  • America's PPO
  • Behavioral Healthcare Providers (BHP)
  • Blue Cross Blue Shield
  • Cigna
  • Compsych EAP
  • HealthPartners
  • Magellan Health
  • Medica (United HealthCare)
  • Medical Assistance
  • Preferred One 
  • UCare  

Out of Network:

Most insurance plans have out-of-network benefits with an out-of-network deductible.  I will submit insurance claims on your behalf which notifies the insurance company of fees you have paid towards your out-of-network deductible.  Once your deductible amount is met, out-of-network benefits will then kick in, and they commonly pay a reduced portion of the claim amount.  

Advantages of Private Pay for Counseling

Some clients opt to pay for their counseling out of their pocket.  This is sometimes referred to as "private pay".  I will negotiate a reduced fee private pay agreement for those clients that wish to pay for services without going through their insurance.  

Insurance companies require a diagnosis before they will reimburse for medical services, including counseling.  Private pay clients do not need to have a diagnosis made or documented.  Some clients are concerned of having the "label" of a certain diagnosis, and there are reports that certain mental health diagnoses can impact the application process for disability insurance, life insurance, and long-term care insurance. 

Many excellent therapists have applied to insurance companies to become in-network with them and have been declined, despite having excellent credentials and experience.  Many insurance companies limit the number of providers by geographic area.  Private pay clients can see whoever they feel is a good match for them without any interference from insurance companies.  

If you have a Health Savings Account (HSA), any fees paid to a licensed provider can be submitted to your HSA for reimbursement. 

INSURANCE AND ONLINE COUNSELING

The number of insurance plans that reimburse for online counseling services (telemedicine) is growing significantly.  Most insurance companies offer this as an option but employers must elect to cover online counseling in the plans they offer to their employees.  For all services, a reduced fee, private pay arrangement can be made.  Fees for in-office and online services can be submitted to an HSA account for reimbursement.