There are many good reasons to use insurance, as well as reasons it may be best not to.
Starting Spring of 2024 Samantha will be starting the process of going out of network for insurance – what does this mean? First Knowing what it means to use your insurance alone is important.
When using insurance for therapy, Samantha is required to provide a diagnosis to the insurance company for reimbursement of services. Not everyone is comfortable with this option. This diagnosis will follow you in your health record and may be required to be documented on all health documents as a pre-existing condition.
Keep in mind if you choose to “opt out” of insurance first we must verify your insurance allows opting out and know that the fee will not go toward your deductible and can not be refunded at a later time if choosing to “opt in” – Samantha has a form to fill out discussing this along side the regular financial document and Good Faith Estimate document required by law from health providers.
Opting out- We have two options – a flat fee cash rate with no documentation to submit to insurance, or OON – Out Of Network Benefits
You would choose not to use your in network- insurance – instead you would pay the providers contracted rate at time of session and submit a “super-bill” to your insurance to be reimbursed by what your insurance is deemed an out of network contracted rate – some will reimburse 50-70% of the bill to you. Other insurances will offer a lower reimbursement rate and or no reimbursement for Out of network usage.
If choosing the flat rate cash rate there would be no paperwork or calls to insurance regarding therapy sessions. This fee would not go toward your deductible and can not be refunded at a later time if you choose to “opt in” to using insurance benefits. – Samantha has a form to fill out discussing this along side the regular financial document and Good Faith Estimate document required by law from health providers for cash or insurance pay clients.
