Insurance

Before using your benefits, we encourage you to investigate all options and arrive at an informed decision regarding your mental health care.  Since the Affordable Care Act, which was passed in 2010, most individual and small group health insurance plans are required to cover mental health and substance abuse services.  How much is covered and what the limitations are depends on the individual and insurance plan.  

Please be aware, you might have a deductible that you have to pay yourself before the plan starts paying benefits. It could be anywhere from $500 to more than $5,000, depending on the plan.  You may have satisfied some or all of the deductible already by paying copays for prescription medication or doctor visits. If not, you may need to pay for therapy out of pocket until the deductible is met.  You will be responsible for all out of pocket cost including deductible, co pay and coinsurance at the time of session.  

Things to consider before using health insurance for mental health therapy:

• Insurance providers require a mental health diagnosis in order for therapy to be covered.  This means your condition must meet “medical necessity”.

• Private information, even under new privacy policies, may be shared with insurance companies – this includes diagnosis, treatment plans and progress notes if requested.