If you are seeking the highest degree of privacy and choice, paying out-of-pocket is the preferred option.
Not only will you enjoy the most confidentiality of any payment option, you will not be labeled with a mental health diagnosis (see below), which all insurance companies require.
Additionally, our work together will not be affected by any changes in your health plan coverage or network. And depending on your particular tax situation, you may be able to write off therapy expenses.
The next best thing to out-of-pocket, using funds from a flexible spending account (FSA), a health saving account (HSA), or a health reimbursement account (HRA), allows you to use pre-tax dollars to pay for therapy.
Because this practice is coded as a health expenditure, your FSA or HSA card will be automatically accepted. HRA accounts are sometimes accessed through the insurance billing process, so a card is usually unnecessary in this case. Of course, you can always opt to submit your own receipts instead.
Regarding privacy, only the organization or bank that administers the FSA/HSA account will know about your therapy charges.
Note: Your HSA/FSA administrator may require an itemized receipt, possibly including a mental health diagnosis (see below), if you opt to turn in your own receipts or if they decide to audit charges made to your account. These will be supplied upon request.
This is a good option for people who value choice, but would also like to utilize their health insurance benefits.
Using out-of-network benefits is very similar to using in-network benefits in that insurance will pay for a portion of each session, although sometimes the percentage they pay is a less than they pay for in-network (70% vs 80%, for example).
We will electronically submit out-of-network charges to your insurance company automatically. Or we can supply you with an itemized receipt, called a super bill, if you’d like to do it yourself.
There are a few downsides to this option to be aware of. The first is that you will be assigned a mental health diagnosis (see below). Insurance companies require this in order to reimburse for any service.
The second downside is that you may have a deductible which must be satisfied before any reimbursement can occur. For some people, this deductible can be sizable. However, many in-network plans also have a deductible, so there may not be a significant difference in out-of-pocket expenses depending on your particular plan.
The best way to find out about your out-of-network deductible and the percentage of reimbursement you can expect is to ask your insurance company directly.
Prior to beginning therapy, you can request that we contact your insurance company and provide you with a written estimate of your financial responsibility. This estimate is not a guarantee of benefits because we cannot know exact coverage amounts until we submit actual charges. However, it should give you a good approximation of what you will owe for each session.
Or if you’d like, you can call your insurance carrier directly.
We offer several flexible payment options to fit your needs so that you may attend therapy as often as you’d like without straining your budget. These plans typically allow for smaller weekly or monthly automatic payments toward your balance and do not accrue any kind of fees or interest.
Payment plans may be utilized for out-of-pocket, FSA/HSA, or out-of-network insurance scenarios.
Any Other Questions
Please contact us for any additional questions you may have. We look forward to hearing from you!