Shedding some light on insurance reimbursement.
Submitting Insurance Claims for Counseling
There are plenty of mental health professionals, like me, who aren’t “paneled” with insurance, meaning we don’t contract with health insurance companies directly. This means insurance won’t pay us directly for our counseling sessions together. But there may be ways to get your insurance to reimburse you for our sessions together – these are called “Out-Of-Network” or OON claims.
Please keep in mind that if you choose to submit out-of-network claims for psychotherapy, this will require more diagnostic information be supplied to the insurance companies, meaning that I need to decide on a mental health diagnosis for you. We will want to have a discussion about whether you are diagnosable and whether you want to share that information with your insurance company – some people don’t want their insurance company to have information about their mental wellness.
Your options for submitting to insurance
First, you can use a worksheet I can supply to help determine if your insurance will reimburse you for mental health counseling. Then you can either:
Manually submit your claims to your insurance company following whatever process they have defined for you.
Use the Better app to submit your claims. This is an iOS app that allows you to take a picture of your bill and then they automatically submit it to your insurance company. Better takes about 10% of the reimbursement for this service.
Of course, either method will still require you to pay out-of-pocket for our sessions at the time of service.
Note: No matter which method you use, if you opt to make out-of-network claims, we take no responsibility for pursuing that claim or for your insurance company’s ability to reimburse you – OON claims are entirely between the client and the insurance company.
Additionally, insurance will generally not cover the cost of career counseling unless it is secondary and related to a diagnosable mental health condition.