Insurance will often cover the majority of your services.  Even though I will attempt to verify your insurance benefits and will try to provide you with a cost estimate prior to your first session, it is very important for you to attempt to contact your insurance company as well because you are ultimately financially responsible for any and all costs associated with therapy.

 

Please check your coverage carefully by asking the following questions:

​

• Do I have mental or behavioral health insurance benefits?

• What is my deductible and has it been met?

• How many sessions per year does my health insurance cover?

• What is the coverage amount per therapy session?

• Is approval required from my primary care physician?

​

Common Insurance Facts

1. What is a Deductible?

A deductible is the amount of money you must pay for medical services before your insurance company begins helping to pay your medical bills.

 

If you have an insurance plan with a $1,000 deductible and receive a $10,000 medical bill, you must first pay $1,000 before your insurance company will help pay the rest.

 

2. What is a copay?

A copay is the amount of money you must pay for a specific service received before your insurance company will help cover the rest.

​

If you have an insurance plan that states a medical visit requires a $25 copay, you are responsible for that amount before your insurance company helps pay the remaining cost.

 

3. What is coinsurance?

Coinsurance is the percentage of the medical bill you must pay for any given service covered by your insurance company.

​

What is an out-of-pocket maximum?

An out-of-pocket maximum is the total cost you can pay for medical services after you have paid your deductible.

​

Let’s say you have a $1,000 deductible, 20% coinsurance, and a $5,000 out-of-pocket maximum. If you receive a $10,000 medical bill after you’ve already paid your deductible, your 20% coinsurance would require you to pay $2,000 because you have not yet met your $5,000 out-of-pocket maximum.