I bill most major insurance companies. You can ask your insurance what they will cover for an in network provider. This usually involves either a copay/coinsurance and possibly meeting a deductible. I encourage all clients to ask their insurance what their portion will be for therapy services, so there are no surprises. I cannot predict what your insurance plan will pay for sessions, so it is best that you call to verify your plan benefits. I keep a credit card on file for all patient's responsibilities after insurance.
An out of network provider is not beholden to specific rules dictated by the insurance company, such as session time limits, service codes, or diagnoses "covered". Clients can submit claims and request reimbursement for out of network sessions, through a "superbill" that I can provide you. Every insurance company reimburses differently for out of network providers. You can ask your insurance if they cover out of network providers and how much they will reimburse you for. You can use your HSA benefits for out of network fees.
There are both benefits and challenges to seeing an out of network provider. First and foremost, it removes a third party from having any say in your therapy services. It allows you and I, together, to make autonomous decisions about what type of therapy you receive, how long your sessions are and the duration you wish to stay in therapy. Importantly, not using insurance allows me to better ensure your privacy. Diagnosis information, notes from our meeting and treatment plans can be accessed by insurance companies, so these would be protected without insurance use. Should we decide together that a formal "diagnosis" doesn't serve you, I won't be required to give you one. This allows for an enhanced sense of privacy, flexibility and autonomy. This can be beneficial for those seeing me for issues related to relationship counseling, those involved in legal cases, work place concerns or those not wanting a formal diagnosis documented in their chart. Please feel free to reach out to ask me any additional questions related to private pay
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