Payments & Insurance
When NOT to use Insurance for Counseling Services
Scenario #1: High Deductible Insurance Plan
In this scenario, you do you have “in-network” benefits with our counselors, but you do not have a “copay” required for counseling services. Likely, we have a contract with your insurance company, who sets the rate to be applied to your deductible. Please talk with your counselor about what this rate is, or call your insurance company. In this situation, it may benefit you to pay the deductible rate, because if you eventually meet your deductible (or out of pocket maximum). At this point, your insurance company may pay for some or all of your counseling appointments for the rest of the year. However, if your deductible is very high ($5000 or more)–like many plans–you may never meet your deductible while attending counseling. Don’t worry, we can help! If you like, you do not have to use your insurance for counseling. We can work out a “cash rate” for counseling that works for you. However, if you choose to pay a reduced “cash rate” in this situation–you may not submit receipts to your insurance for reimbursement or apply it to your deductible.