SEEKING REIMBURSEMENT FROM INSURANCE COMPANIES 

Many insurance plans allow members to see any provider a member chooses and will pay for some or all of the fees for these services. While my practice is an out of network provider, it is possible your insurance may not cover out-of-network providers. If your insurance plan does cover providers who are out of network, I can complete the required documentation so that some or all of your payments are reimbursed. You will still be responsible for full payment to me at the time of our session. 

Protect Yourself and Do the Research If you are considering using out-of-network benefits, it is wise to ​first​ contact your insurance company (you may call the phone number listed on your insurance ID card or look at the company website) and ask the following questions: 

  • Does my plan cover services to out-of-network mental health providers?

  • What is the deductible I have to meet before coverage to an out-of-network provider kicks in? How much of my deductible has already been met?

  • Does my plan cover psychotherapy sessions with an LCSW (Licensed Clinical Social Worker)? -Is there a maximum amount per session the insurance will cover for an out-of-network provider?

  • How many sessions does my plan cover in a year for out of network services? How many sessions do I have left?

  • What is the process to get reimbursed for out-of-network services through a superbill?

  • How much time do I have to file a superbill claim for out-of-network services?

  • Do I need pre­authorization or a referral from my PCP to see a therapist? If I need pre­authorization, do I need to call or does my therapist?

  • Will you cover CPT code 90791 (initial assessment)?

  • Will you cover CPT code 90834 (45-minute individual sessions) or 90837 (60-minute individual sessions)?

Getting Reimbursed 

Upon request, I will provide you with an invoice—called a "superbill”—each month. It contains all the information that most insurance companies require. If your insurance company requires that some other forms be filled out, please have that form available for me to complete. 

Once you have your documentation, you can provide it to the insurance company so that they may reimburse you for your payments.