Many insurance companies put considerable
constraints on mental health providers that limit our ability to offer the highest quality care to our clients. Insurers require specific diagnostic codes for each session, and enforce
strict controls on the frequency, length, and overall number of sessions allowed, often based on financial algorithms and charts that impose a maximum number sessions permitted for specific diagnoses.
Similar limitations are imposed by insurance companies for testing and as such, we do not take insurance for testing.
In addition, there are
confidentiality issues with employers when providers are required to provide diagnostic information and treatment notes to insurance companies, with potential implications for pre-existing condition restrictions.
Our goal is to provide you with the optimal mental health treatment tailored specifically to your needs, rather than to be subject to an insurance company dictating your treatment and/or methodology and measures for testing, and requiring extensive record-keeping to justify mental health services. We want to spend our time with our clients and on matters directly related to patient care.
One of
our values is to
do our part to make quality, affordable mental health care accessible to more people. We recognize that
some people may not be able to afford psychological services without using their insurance. We also value the knowledge, skills, education, and experience of our highly-trained clinicians who work hard and are dedicated to competently helping clients, and who should be fairly reimbursed for their services.
Therefore, we are selectively
in-network with some of the insurance companies for which many of our clients are members. Currently, these include:
Anthem
CareFirst/Blue Cross Blue Shield
United/Optum
Being
in-network means that we have a business contract with these insurance companies for
steeply reduced rates for our services and that we have agreed to
submit claims your insurance company for these services on your behalf after collecting your co-insurance payment per your plan.
(Becoming in-network with an insurance plan is a very long, tedious, complex, and time-consuming process that typically takes 3 to 5 months.) Please note that we may stop in-network participation at our sole discretion, and will inform current clients in advance if/when we do. We are
out-of-network with other insurance plans, often whose in-network provider rates are unreasonably low and thus not economically feasible, and who also require extensive record-keeping, frequent treatment justifications, and other cumbersome practices that take away from our time and ability to provide the best care to our clients.
Many of our clients who submit claims directly to their insurance company (with receipts which we will gladly provide upon request) receive some level of reimbursement for out-of-network benefits. You may want to
contact your insurance company to verify your mental health benefits and their out-of-network policies prior to engaging in treatment. We cannot guarantee the outcome or influence the insurance company's reimbursement decisions, as this is dependent on the specific terms of your policy.
All out-of-network costs are the full responsibility of the client or parents/guardians and are due at the time of service. We accept credit, debit, and flexible spending debit cards. Clients often use their Health Care Flexible Spending Accounts (FSA) to set aside pre-tax dollars to pay for mental health not covered by insurance.
If you have health insurance and you express to our practice your intention to pay our direct rates and/or submit a claim for out-of-network services, we will provide a Good Faith Estimate (GFE) for costs covering the estimated duration of treatment based on the information we have at the time about your mental health and presenting concerns. If this changes, or if you have other issues that are identified during the course of treatment, we will revise the GFE and provide you with an updated estimate. The GFE is a requirement associated with a new law, The No Surprises Act, that became effective in January 2022.