OUT-OF-NETWORK INSURANCE

Clients using "Out of Network"  insurance benefits can pay upfront for services.  Clients will be provided with a monthly superbill (itemized statement) which can be self-submitted to an insurance provider for reimbursement. 

It is the client’s responsibility to contact their health insurance provider, confirm coverage, and reimbursement rates, and secure any and all authorizations.  

Depending on the insurance provider, clients may have the option to pay cash for therapy services and then self-submit claims to be reimbursed for out-of-network provider expenses by their insurance company.  

Helpful questions to ask your provider may be:

 -Do I have out-of-network coverage?  

-What is the deductible?  

-Is there coinsurance or copay required?  

-Is there a maximum number of sessions per year allowed?  

-Is prior authorization required? 

-Which CPT codes for outpatient psychotherapy sessions does my plan cover?

-What is the reimbursement rate? 

Common CPT Psychotherapy codes:   90834 /90837 (Individual)    90846 /90847 (Family )