INTIAL ASSESSMENT

My practice is considered "out-of-network" (OON) with most health insurance plans, EXCEPT for United Healthcare and Optum Behavioral Healthcare. Although I am considered OON, many individuals have health insurance plans that will reimburse them a portion of the session cost after their deductible is met. I suggest clients call and verify with their insurance companies before we attempt to electronically send claims or submit superbills.

Unlike most out of network therapists, I will courtesy bill your insurance through an electronic claims service. This does not ensure reimbursement; it purpose is to streamline the process so you don't have to submit a superbill manually with your insurance company. 

Many clients have high deductible insurance plans that offer a health saving account (HSA). An HSA allows you to pay lower federal income taxes by making tax-free deposits each year. With this tax-advantaged personal savings account, you can pay for medical expenses, including therapy sessions. If you are unsure that your health insurance includes an HSA option, call to ask if you are enrolled in an "HSA-qualified high-deductible health plan (HDHP)". You can also use this account to pay for the medical expenses of a spouse or other family member, even if they aren't covered by your HDHP.