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Insurance

I am an in network therapist for the following insurance plans: AETNA, CARELON, OSCAR HEALTH, OXFORD, and UNITED HEALTHCARE. 

If you have a different Behavioral Health insurance company, your insurance company will refer to me as an out-of-network provider. They will partially reimburse you for my services through your out-of-network benefits. If you would like to find out whether reimbursement for the cost of therapy with me is available through your out-of-network benefits at this time, I suggest that you contact them prior to our initial appointment.  Most insurance companies reimburse between 50-80% of therapy costs. Let me know if you have any questions about this process.

1. Contact your Insurance Provider 

Call your member services department using the number on the back of your insurance card. This number will connect you with a representative who can provide specific details about your insurance plan and benefits.

2. Ask Detailed Questions

When speaking with your member services representative, it’s important to ask targeted questions. Some questions to start with are:

    What are my out-of-network benefits for mental health services? 
    What are the reimbursement rates/percentages for the services I’m seeking? These are often identified by procedure codes. The most common are:
        90791 – Intake Session 
        90837 – Individual Psychotherapy (53 min)
        90847 – Couples or Family Psychotherapy
        90853 – Group Therapy 
    Do I have a deductible to meet before my plan would provide reimbursement?
    How can I submit a claim for reimbursement?
    The cost of the out-of-network provider that I want to see is _______, given my current coverage, what should I expect to pay out of pocket, and how much can I expect to be reimbursed?
    What is my Maximum Out of Pocket Expense (MOOP) if I decide to go out-of-network?
 

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