In some cases you may be eligible to use out-of-network insurance benefits. If you do not have HMSA or HMAA as your insurance provider, you will be responsible for paying for each session in full at time of appointment.

Each insurance company is different, so it’s best to contact your insurance on you exact reimbursement rate, but if you have out-of-network benefits, they typically will reimburse you for 60-80% of the cost of each session.

Most insurance companies have you upload your monthly superbill online (it’ll be sent to you on the 1st of each month) and then they will mail you a check with your reimbursement.

It’s always a good idea to call the number on the back of your health insurance card listed under Member Services.

You can ask them the following questions:

Do I have out-of-network outpatient mental health coverage? Am I able to use these benefits for telehealth?

What is my out-of-network deductible?

How much of my deductible has been met this year?

Do I need a referral from an in-network provider to see someone out-of-network?

What percentage of outpatient psychotherapy sessions are covered per session?

How much will I be reimbursed for a 45 minute psychotherapy session (CPT code: 90834)?

How do I submit claim forms for reimbursement?

How long does it take for me to receive reimbursement?

Yes, I reserve a limited amount of sliding scale spots in my schedule.

If I’m unable to offer a sliding scale spot, I’d be happy to connect you with other therapists in the community.

If you’re looking for in-network therapists for your insurance plan, psychologytoday.com is another great resource available.