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A WORD ABOUT GENERAL INSURANCE COVERAGE AND PAYMENT If you have insurance, confirm that your insurance covers mental health services. You can easily determine this by calling the toll free number for Member Services or Behavioral Health Services located on the back of your insurance card. Be sure to ask the agent how many sessions they cover per year and the amount of your co-payment. Depending on your plan, co-payments for mental health services may be different than the co-payment for your regular doctor. Ask if your plan covers you for out-of-network benefits. Out-of-network means you can choose any therapist you wish and still receive reimbursement. Many people prefer this as it gives the most freedom to work with therapists of their choosing or who come highly recommended. In some cases, out of network costs are only slightly more than co-payment costs. You may find that your insurance company limits your selection of therapists by asking you to choose solely from within their network. Or, you may find a therapist who comes highly recommended is not a provider for your insurance company. In these cases you may want to consider a fee-for-service arrangement with the therapist of your choice. Therapists will often consider fee-for-service arrangements whereby a reasonable fee is determined based on the service provided. Again, cost may only be moderately above your regular co-payment. This arrangement may be preferable depending on the nature of your concerns, confidence in the therapist you have chosen and your individual privacy needs. It is important to remember that in addition to professional orientation and skill, it is the “fit” or connection between you and the therapist of your choice that best predicts a successful therapy experience. You, not your insurance company, are the most qualified person to make this determination. CONTACT | PHILOSOPHY | ABOUT | PAYMENT | RESOURCES |