Do You Take Insurance?
At this time, I do accept Blue Cross Blue Shield insurance directly. However, many clients are able to use their out-of-network benefits to receive partial reimbursement for sessions.
If I am not in-network with your insurance plan, you may still be able to work with me and get some financial support from your insurer. This is called using out-of-network benefits.
What Are Out-of-Network Benefits?
Out-of-network benefits allow you to choose a provider who is not on your insurance company’s in-network list and still receive reimbursement for a portion of the cost.
To use these benefits:
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You pay for each session upfront.
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I provide you with a "superbill" (a detailed receipt).
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You submit the superbill to your insurance company.
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Your insurance reimburses you directly based on your plan’s coverage.
Questions to Ask Your Insurance Provider
If you’re unsure whether your plan includes out-of-network benefits, call your insurance company and ask the following:
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Do I have out-of-network coverage for outpatient mental health services?
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What is my deductible, and has it been met?
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What percentage of the session cost is reimbursed?
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How many sessions are covered per year?
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Is pre-authorization required?
Using a Health Savings Account (HSA) or Flexible Spending Account (FSA)
Even if you don’t have out-of-network benefits, you can often use an HSA or FSA to pay for therapy sessions with pre-tax dollars. Check with your plan administrator to confirm what's eligible.
Still Have Questions?
I'm happy to help you navigate your options. If you'd like support understanding your insurance coverage or how out-of-network reimbursement works, feel free to reach out or bring it up during your free 15-minute consultation.