It is important to understand the benefits and disadvantages to using insurance. Below is some important information to consider.
Insurance companies have the ability to determine how long your sessions are, what diagnoses will be covered, and require a diagnosis for services to be covered- even if you do not really need a diagnosis.
If you choose to use your insurance, either in network or seek reimbursement for out of network services, please be aware:
-
Yes…you read that correctly. While we must maintain confidentiality, your insurance company requires a diagnosis for your treatment and additionally has the right to access to your notes, demand an update on your treatment, and information on what we discuss and how you are, or are not, making progress.
-
Even if you are okay with your insurance company knowing your information and private details, you may not want them to have a diagnosis code. Many people seek treatment for personal growth, support, validation and exploration- not necessarily a mental illness. However, in order for your sessions to be covered you must have a diagnosable mental health issue. While there are many diagnosis that may cover what is driving you towards seeking support, once you have a diagnosis on record, your premiums could rise due to a “pre existing condition,” related to the diagnosis for treatment.
-
Even if you wanted to have a 55 minute session, your insurance has the right to refuse to cover this service. Your insurance company may feel your diagnosis means you should only see me for 12 sessions, even though we both may agree more sessions are required.
-
I am currently in network with Aetna and Husky. I will provide documentation as needed for out of network reimbursement for other insurance companies or you may choose to pay out of pocket. I do have a sliding scale fee available by request and documentation.
-
Under the law as of January 1, 2022, health care providers are required to provide those who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services. You have the right to receive a “Good Faith Estimate” explaining how much mental health care will cost. You may ask your health care provider for a Good Faith Estimate before you schedule your service. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call (800) 985-3059.