I am IN these Insurance Networks. For these plans I bill your insurance company directly and you usually make a co-payment at each visit. Your insurance plan pays me directly.
I am OUT of network for many other plans. Treatment is often partially covered by these insurance companies. This means you pay for the sessions and you file the claim with your insurance company. They reimburse you directly.
Here’s how to find out if your insurer will pay for out of network therapy:
Call your insurer and ask if you have coverage for “out-of-network outpatient mental health treatment”. If you have it, ask what the annual deductible is and what percentage of how many sessions per year the insurance company will cover. These figures vary greatly from policy to policy. My staff will give you a monthly receipt of your payments that you can submit with your claims.