Currently I am in network provider with Aetna & Cigna
My services are reimbursable by most "out of network" insurance plans. You can contact your insurance plan to determine what percentage they will cover for out of network outpatient therapy (look on the back of the card for the telephone numbers to contact them). After you meet the deductible (some plans do not have deductible) your reimbursement from the insurance plan varied from 20% - 100% of the cost of individual therapy services. Some plans, typically HMO plans, won't fund out-of-network care.
Ask your insurance plan representative, what is covered and what is not under your current health plan
To make things easier I will be happy to process your claims for your in or out of network services with your health insurance plan. You do not have to worry about submiting your claims.
I listed some (but not all) examples of information that you may need to make your decision to start therapy.
· What is your reimbursement rate for out of network for outpatient mental health services?
(The representative may ask you about my CPT codes. They are 90834 or 90791).
· Who is providing my mental health coverage?
· To whom should I summit my claims?
· What is the Payer ID number?
· Do I have a deductible?
· How much is my deductible?
· How much is my out of pocket?
· Do I have a limit of visits?
· Can I see a provider in New York City?
· Do I need a preauthorization to see an out of network mental health provider?
· Do I have coinsurance?
Psychotherapy is also typically covered by pre-tax Flexible Spending Accounts (FSAs) or Health Spending Accounts (HSAs)..
Unfortunately, I do not have access to your personal health insurance information. To make it easier contact your health insurance company and ask questions about your coverage.
TREVOR Crisis Hotline: 1-866-488-7386
GLBT Hotline: 1-888-843-4564
AIDS Crisis Line: 1-800-221-7044
National Suicide Prevention Hotline: 1-800-273-8255
National Hopeline Network:1-800-784-2433
National Domestic Violence Hotline: 1-800-799-7233
Family Violence Helpline: 1-800-996-6228
Self-Harm Hotline: 1-800-366-8288
Alcoholism & Drug Dependency Hope Line: 1-800-622-2255
National Crisis Line, Anorexia & Bulimia: 1-800-233-4357
American Association of Poison Control Centers: 1-800-222-1222