I am not in-network with any insurance companies, and my practice operates on a private-pay basis.

Private pay allows greater privacy, as your healthcare information is not shared with third parties, and a formal diagnosis is not always required. Although I do not bill insurance directly, many clients can seek out-of-network reimbursement from their insurance providers. Through the client portal, you will have access to a Superbill, which you can submit to your insurance company for potential reimbursement. Please note that Superbills cannot be provided for no-shows or late cancellations.

If you plan to use out-of-network benefits, the following questions may help you understand how your insurance company handles Superbills and reimbursements:

• Does my health insurance plan include out-of-network mental health benefits?

• What is my out-of-network deductible, and how much of it have I met so far?

• Once my deductible is met, what percentage of the session fee will be reimbursed?

• My provider charges $175.00 per session. How much would I be reimbursed for each session?

• How do I submit a Superbill?

• How long does it typically take for a reimbursement claim to be processed, and how will I receive payment?

In certain cases, insurance companies may offer an Out-of-Network Request, which allows clients to receive in-network reimbursement rates for services provided by an out-of-network clinician. These agreements are typically considered when no in-network providers are available who specialize in the client’s specific needs or location, or when a client has been receiving care from a trusted provider and wishes to continue services for clinical reasons. If your insurance company offers this option, I am happy to provide the necessary documentation to support your request.

Here are some questions you can pose to your insurance provider to see if this option is available to you:

• Does my insurance plan offer an Out-of-Network Request that would allow me to receive in-network reimbursement for services with an out-of-network provider?

• What criteria must be met to qualify for this type of agreement, and what documentation is required from my provider to support this request?