For your protection and confidentiality, I recommend self-pay for therapy if at all possible. Insurance companies require disclosure of highly personal information, the confidentiality and privacy of which I cannot guarantee. Insurance companies also restrict the amount of sessions allotted. For these reasons, I choose not to be on insurance or managed care panels. Fortunately, tax laws have created new programs that may help you pay for your therapy, even if you are self-employed. These include Medical Savings Accounts and Pre-Tax Flexible Spending Medical Accounts. Ask your Accountant or Compensation and Benefits Administrator if you qualify for either program.
If you intend to use your insurance for therapy, please confirm approval of me as an out-of-network provider prior to our first meeting. Check your coverage carefully by asking the following questions:
- Do I have mental health insurance benefits?
- What is my deductible and has it been met?
- How many sessions per year does my insurance cover?
- What is the coverage amount per therapy session for an out-of-network provider?
- Is approval required from my primary care physician?
If approved, you will pay me in full for each session, but I will provide you with the documentation you need to file a claim with your insurance company.