Please Note: Payment of insurance plan deductible, copayment or co-insurance is determned at the first visit and is expected at the time of service thereafter.
- Child Health Plus
- Cigna Behavorial Health
- Oxford Health Plans
- United Behavioral Health
- United Healthcare
- Value Options
- Out of net work
- $140 Initial Assessment
- $120 Individual Session
- $140 Couple or Family Session
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, if you have a deductible plan, and the amount of your co-payment or co-insurance. Depending on your insurance 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 psychotherapist you wish and still receive reimbursement. Many people prefer this as it gives the most freedom to work with psychotherapists of their choosing or who come highly recommended from a trusted referral source. In some cases, out of network costs may be only slightly more than in network or co-payment costs.
You may find that your insurance company limits your selection of psychotherapists by asking you to choose solely from within their network. Or, you may find a practitioner 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 practitiioner of your choice. Psychotherapists will often consider fee-for-service arrangements whereby a reasonable fee is determined based on the service provided. Again, depending on your plan, cost may only be moderately above your deductible or co-payment. This arrangement may be preferable depending on the nature of your concerns, confidence in the psychotherapist 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 psychotherapy experience. You, not your insurance company, are the most qualified person to make this determination.
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