Insurance 🤝 Therapy
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Aetna
In-Network Provider
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United Healthcare
In-Network Provider
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Cigna Healthcare
In-Network Provider
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Blue Cross Blue Shield of Michigan
In-Network Provider
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Oscar
In-Network Provider
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Oxford
In-Network Provider
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Priority Health
Soon to be an In-Network Provider
Frequently asked questions about insurance
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Sometimes using insurance reduces the out-of-pocket cost for therapy, making it more affordable and accessible. It is important to know if your plan requires you to meet your deductible or if you have a co-pay for outpatient behavioral services.
Lower out-of-pocket costs can make it easier to attend therapy more frequently. Seeing your therapist on a consistent and routine basis can support the therapeutic process and improve consistency in your care.
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Therapists are required to provide a diagnosis in order for insurance companies to pay for these services. There is nothing wrong with having a mental health diagnosis, as it often helps guide treatment planning. However, very normal life stressors, navigation of interpersonal issues, and other temporary experiences are valid reasons for coming to therapy and may not meet the criteria for a diagnosis. Therapists must be ethical in their determination of such billable diagnosis. When given a diagnosis for therapy, that information is provided to the insurance company and is in your medical record.
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Some insurance plans have a high deductible that must be met. In some cases, people may choose to not use insurance and pay out of pocket if it is less expensive for them.
Some people do not want to be given a diagnosis, or share information with their insurance company and choose not to use their insurance for therapy services.
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If I am not in network with your insurance there are still options. You can pay out of pocket for therapy and if applicable, possibly get reimbursement with a superbill if you have out of network benefits.
Low-fee arrangements may be made for those who are uninsured or underinsured based on limited availability and therapist discretion.
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If I do not accept your insurance, it means that I am an out of network provider. It is important to check with your insurance to see if you have out of network benefits. If so, I am able to provide you a “superbill” for therapy services, allowing you to receive reimbursement from your insurance company. In superbill arrangements, it is your responsibility to seek reimbursement from your insurance company.
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Please click below for information on both of these: