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Insurance

I am an out-of-network provider for most insurance panels; Please call to inquire what insurance panels I work with. Many PPO plans may reimburse in full or in part for my services. Unfortunately, HMO, Medi-Cal, and Medicare insurances do not reimburse as they require that you see someone on their panel. To determine if your insurance coverage includes outpatient therapy sessions with an out-of-network provider, contact your insurance company directly by calling the customer service number found online or on the back of your insurance card.

REIMBURSIFY

We have partnered with Reimbursify for you to easily submit your claims for out-of-network health insurance reimbursement from your smartphone.  Download the app and get your first claim free:

Why use your PPO or OON? 

Here are some very important benefits:

  • You can obtain the services you need without receiving a label of a mental illness. 

  • You won’t have a limit on how many sessions you need, frequency of sessions, the length of your sessions, and treatment won’t be shortened as your counselor will have more freedom to help you at your pace. 

  • You don’t have to prove medical necessity for your insurance to approve services.

  • Insurances won’t have access to your records (i.e. notes, assessments, etc.). Insurance companies often conduct audits and request complete records of clients. 

  • Your bills/claims will not be submitted through a third party company (Electronic Medical Record - EMR) and your information won’t run the risk to be exposed to other agencies. 

  • Your personal information won’t be accessed by agencies conducting federal background checks.. For example, if your child in the future needs a federal background check for purposes such as joining the military, becoming a pilot, employment, or for a number of other reasons, their personal information won’t be accessed because it was not disclosed to an insurance company or an EMR.

Questions to ask when calling your insurance company: 

  • Does my health insurance plan include mental health benefits?

  • Do I have a deductible? If so, what is the amount $_______ 

  • have I met my deductible?

  • Do I have an out of pocket maximum?

  • Does my plan limit how many sessions per the calendar year I can have? If so, what is the limit (e.g. 12 sessions)?

  • Do I need written approval for services to be covered (i.e. pre-authorization)?

  • What is the reimbursement rate for an out of network provider for mental health (if necessary, give them the CPT code 90837) e.g. 50% or 60% or 70 %).

  • Is there a maximum of this reimbursement rate?

  •  Does my plan cover teletherapy (online therapy) services?

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