Insurances Accepted:
Aetna
Anthem/Blue Cross
Husky/Medicaid
Private Pay
Please reach out to inquire
What is Private Pay?
Opting for Private Pay allows you to privately fund your therapy sessions, ensuring utmost confidentiality, personalized attention, and flexibility in your care.
Why is Private Pay more confidential?
When utilizing insurance for therapy, your therapist must share your personal information (including psychiatric diagnosis, treatment plan, therapy notes, and duration of the issue) with the insurance company to validate services. Once disclosed, your therapist loses control over how this information is used, potentially impacting your future health, life, and disability benefits and premiums.
Why is Private Pay more individualized and flexible?
Insurance companies are allowed to dictate the manner in which therapists provide their treatment and care. They can set limits on the length, frequency, location (e.g., an office setting versus a tele-health, home visit, or outdoor session), and content of treatment your provider is allowed to offer you.
Private Pay allows your therapist — not your insurance carrier — to determine what treatment is best for you and to create an individualized plan tailored to your needs. It also frees your therapist up to focus on tasks that directly benefit you and your care, instead of satisfying bureaucratic insurance requirements. Finally, it allows you the flexibility to choose your therapist based on his/her qualifications and specialities, regardless of whether her or she is “in network” with your particular insurance provider. And you can keep your therapist even if you switch insurance providers
How does Private Pay differ from using Out of Network benefits?
If you have an insurance carrier other than those I accept (see above), you can choose to utilize Out of Network benefits to help you pay for therapy services. You would pay my fee at the time of service, and later you would submit a form applying for reimbursement through your Out of Network benefits. Depending upon your carrier and plan, you could be eligible for reimbursement of a portion of your therapy expenses. However, you may still need to satisfy separate Out of Network deductibles, copays, and/or coinsurance. Furthermore, your insurance company will still receive your personal health information and can place restrictions on the care you receive.
If your plan has a high deductible that you are unlikely to meet, it may make sense to forego insurance and utilize Private Pay for the benefits listed above. Whether you go through insurance or not, you can always use funds from your Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for therapy services.
Still have questions?
Feel free to reach out and ask me! Or you can call the phone number on the back of your insurance card to ask for details about your plan’s in-network and out-of network behavioral health benefits.