Should I Pay Out-of-pocket or Use Insurance?
Choosing whether or not to use your health insurance for mental health services is completely up to you. To make an educated decision, please review the benefits of each option.
Benefits of choosing Out-of-pocket:
Your insurance company will NOT be given any information about your sessions or progress. Therefore, insurance companies will not be able to use this to influence future coverage. The most frequent information given is your diagnosis code(s). However, insurance companies can ask for more detailed information, such as progress in treatment or session notes.
You determine your treatment, versus your insurance determining it. Insurance companies have pre-determined which services to cover based on diagnosis, dates, and treatment modality. Insurances can deny coverage for lengths and frequency of sessions and overall length of treatment. In addition, using insurance can limit choosing a therapist based on best-fit for you.
Your plan may not have in-network or out-of-network mental health coverage. Some insurance plans require a deductible to be met in order to pay for mental health services. Please review your insurance benefits to determine if you have to meet your deductible first, and how much your deductible is for in-network or out-of-network mental health providers.
Your plan may not cover virtual therapeutic sessions. Virtual therapy coverage is determined by your insurance provider. Please call the number on the back of your card to discuss your coverage.
Benefits of choosing Insurance:
If you have out-of-network benefits. Some insurance plans will reimburse you a portion of your session fees. Reimbursement is determined by your insurance provider. Please call the number on the back of your card to discuss your coverage.
If you have a plan with an in-network deductible. While initially you may be required to pay the full session fee, these fees go towards your overall deductible. Benefits of meeting your deductible is determined by your insurance provider. Please call the number on the back of your card to discuss your coverage.