The Advantages and Disadvantages of Using Insurance
For many therapist, the decision to accept insurance is a difficult and complicated one. I have given this choice considerable thought and I have decided to work with a limited number of insurance companies. Currently, I am working with Aetna, Anthem, Cigna and HUSKY. If clients are not insured by one of these companies, I will also provide them with a summary of charges so they can get reimbursed for working with me as an out-of-network provider if this option is included in your particular policy,
There are several advantages and disadvantages to keep in mind when considering whether or not you wish to utilize your insurance coverage to pay for services. The main advantage for you is that it can make therapy more affordable since most co-pays are far less than any session fees. This is the reason that I decided to accept some insurance; I want to give as many people as possible to ability to engage in therapy. I know that even co-pays can often be difficult for clients to afford.
The potential disadvantages of using insurance include:
1) A Lack of Privacy. Although I believe that insurance companies will behave professionally as they process claims, adhering to the many strict HIPPA laws that now exist, I cannot guarantee this. Your claims do create a record within the company's files and I suggest that you fully understand how your insurer may use these files, both with and without your permission.
2) The Need for a Diagnosis. Insurance companies require that I give you a diagnosis, and they expect to receive a treatment plan that will describe your goals and, at times, your progress. Many people who seek services do not meet the criteria for any diagnosis, yet their concerns and their desire for healing and growth are certainly still legitimate. We can discuss how your particular concerns may affect whether or not your insurer will authorize sessions.
3) Insurers Can Dictate the Type of Treatment You Receive. Although rare, your insurance company may feel as though a particular type of treatment is best for you and we may not agree. If the insurer does not wish to cover the type of treatment we feel would benefit you most, they may not authorize sessions. I have not yet encountered this issue in my practice, but it is a possibility.
Please remember, these disadvantages are much more problematic for some clients than for others. Some clients may feel, because of their presenting concerns or their future plans for employment, that privacy is an absolute necessity. Others may feel comfortable with the current process, deciding that the financial advantages outweigh the possible challenges. I will be happy to discuss your particular situation with you and help you decide what course of action best suits your needs.
Initial Assessment (90 minutes ): $280.00
Individual/Family Session (60 minutes): $180.00, prorated for additional time if necessary
Individual/Family Session (45 minutes): $150.00, prorated for additional time if necessary
Family Session (90 minutes): $200.00
Group Session (90 minutes): $50.00
We can discuss private payment arrangements based on your current financial situation. Please do not assume that you will be unable to afford therapy if you do not have insurance.