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TAKE 2 Counseling & Coaching, LLC. currently contracts with United Healthcare, Optum Health, and Oxford Freedom insurance companies. For other insurances, services are provided on a private pay basis. The good news is, most health insurance plans provide some form of coverage for outpatient psychotherapy.
Out-of-network benefits cover psychotherapy with the professional you choose. Most plans require the patient to pay a deductible, and then reimburse a certain percentage of the fee after that, typically 75% or 80%. The psychotherapy is not managed and authorization is usually not required.
Associates at TAKE 2 will provide you with the necessary billing and diagnosis codes in order for you to receive the benefits you are entitled. It is very important that you find out exactly what mental health services your insurance policy covers. Even if you submit the claims yourself, you may not be reimbursed for services. In addition, once an appointment has been scheduled, you will be expected to pay for the time allotted unless you provide 24 hours advance notice of cancellation (please refer to cancellation policy).
Call your insurance company and tell them you would like to go out of network for behavioral health. Some questions to consider:
- What is my current yearly deductible?
- How much of this deductible has currently been met?
- What is the reimbursement rate for an out of network provider (once your deductible has been met)?
- What is the coverage amount per therapy session?
- How do I submit claims for reimbursement?
- Are there are any limitations of amount of sessions or amount paid out?
- How many therapy sessions does my plan cover?
- What are my mental health benefits?
- Is pre-approval/referral required from my primary care physician?
This information will help you determine how much you will be reimbursed for your care with us. We will also provide receipts at the end of care that you may submit when doing your tax returns.
Although obtaining psychotherapy on an out-of-network basis may seem more expensive, there are many benefits in doing so. Insurance companies require regular treatment plans to be submitted by their network providers in order to continue to authorize sessions. There can be a lack of clarity and/or after-the-fact decisions about what they will cover, resulting in surprise balances billed to patients. Finally, insurance companies can and do audit in-network psychotherapists’ records, further compromising confidentiality.
Obtaining psychotherapy on an out-of-network basis avoids all of these issues that compromise confidentiality and autonomy of treatment. All treatment decisions are made solely between patient and therapist, including the type of therapy used, its length, and who should or should not be consulted.
Feel free to contact us for more information.