Five Key Questions for Your Insurance Company
order to help you determine what part of the cost of psychotherapy your
insurance company will cover, I will
need to have the answers to five key questions:
1) Are you covered for out-of-network, outpatient mental health
services? (In other words, does your insurance company offer you "choice" or is it an HMO that requires you to stay in-network?)
If so, what is your deductible?
3) How many sessions
are you covered for per year? And what if there is medical necessity?
4) What percentage of what the insurance
company considers a customary and reasonable fee is covered
by the insurance company, and what is your co-insurance
(e.g., 80%-20%, 70%-30%, 50%-50%, etc.)?
5) Is there any pre-certification or pre-authorization required?
You can typically find out
the answers to these questions by calling the number for
member services, listed on the back of your insurance card.
circumstances, I accept "assignment", which means that you permit your
insurance company to pay me directly for their part of my fee.
Essentially, I am thereby laying out that money for you, so that all you
have to pay out-of-pocket is your deductible and the co-insurance
amount. (See Assignment Agreement)
Feel free to inquire about any other insurance issues. I am happy to discuss and help simplify these matters.
Please call to discuss fees, as these vary based upon length of session, insurance coverage and type of therapy being sought (i.e., couples, family, individual, etc.).
Method(s) of Payment
I accept checks, credit cards, PayPal and/or cash. (2.75% is added for credit cards [see below for American Express Cards] used in office to cover processing fees; 3.50% is added for any PayPal payments to cover processing fees; and 3.50% is added to process American Express Cards in office or for cards that have to be keyed in vs. swiped in).