I am a private-pay, out-of-network insurance provider. If you meet the criteria for a mental health diagnosis and services are medically necessary, I will provide you with an invoice to submit to your insurance company under your out-of-network benefits. Please contact your insurance company for more information about your benefits and to confirm that your virtual sessions will be covered. If you are interested in online therapy please be aware that some companies cover online therapy, while others do not.
Before attending the first session, I recommend that you contact your insurance provider and ask them the following questions:
- Does my plan cover out-of-network mental health providers?
- Is there a deductible for out-of-network benefits?
- Once the deductible has been met, what percentage of the total cost does my plan cover?
- Is there a limit to the number of sessions my plan covers?
- Does my plan cover online therapy sessions?
Other options to cover the cost of therapy include a Flexible Spending Account (FSA) or Health Saving Account (HSA). Both use pre-tax dollars to save you money. You can also ask your employer if they offer an Employee Assistance Program (EAP), or talk to your accountant/tax preparer to find out if you are eligible for a tax deduction.