Most insurance plans offer both in-network and out-of-network benefits. The benefits you receive depends on the provider that you see. A common misconception is that a patient can only utilize their insurance by seeing an in-network provider. This is not true and you can call your insurance company to ask about what out-of-network benefits that your plan provides.

When you use your out-of-network benefits you typically pay for the full cost of services upfront and later file for reimbursement from your insurance company. A superbill is the document that provides all the information you need to file for reimbursement, and I can provide one after each appointment.

It is important to check with your insurance company to inquire about reimbursement rates, as I cannot guarantee the amount you will receive. Also, please note a superbill requires me to include a mental health diagnosis.

For starters, using your out-of-network benefits protects your privacy. Insurance companies require copies of diagnoses, treatment plans, and session notes, so you can avoid a third-party having access to such sensitive information.  

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Using your out-of-network benefits also allows me to spend more time planning for your treatment and less time jumping through the administrative hoops that insurance companies enforce. I can also engage in trainings more frequently as well as in my own self-care so that when I show up to session you know that I am at my best. 

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Lastly, by setting my own rate instead of agreeing to an often significantly lower reimbursement amount from an insurance company, I can keep my caseload manageable and provide a higher quality of care to each of my clients.