Insurance companies require a psychiatric diagnosis from the first session. They also require access to notes regarding every session. Those “chart notes” may be seen by multiple people within an insurance company to process the claims. These notes essentially become part of a permanent health record that can be accessed by others. Insurance companies can put limits on the number of and/or length of sessions without regard to best practices in the field. I generally do not work with insurance companies to best protect your privacy and to allow us to take the therapy where you need it to go, not where a random biller decides.
I am out of network with most insurance companies and payment is processed in full through the credit card on file at the time of each visit.
If you would like to pursue reimbursement benefits for out of network providers through your insurance, I can provide you with a super bill. A super bill is a detailed invoice outlining diagnosis, services provided, and information regarding the provider/clinician. A superbill can be used for reimbursement through your HSA/FSA – your Health Savings Account or Flexible Spending Account.
Out of network reimbursement can be substantial. For some folks, they are responsible for what is approximates a specialist co-pay and the insurance might reimburse the rest of the fee. If you are interested in reimbursement through your insurance benefits, you are responsible for contacting your insurance company and determining what those out of network benefits are and how to access them (often there is a special form and different address for those types of claims). Note that these benefits and processes may change each year and it behooves you to periodically check in with your insurance carrier. Please know that a super bill must list a diagnosis and while extremely unlikely, session notes may be subject to audit. Contact your insurance company directly to understand the benefits available to you.