All Major Credit/Debit Cards HSA/FSA Spending Accounts Cash or Check
All Major Credit/Debit Cards Cash or CheckVenmo
All Major Credit/Debit CardsCash or CheckVenmo
Our psychotherapy sessions are eligible for insurance “out-of-network” reimbursement benefits in most cases if you have out-of-network benefits. I can provide you with a medical receipt that you can submit to your insurance provider to be reimbursed for up to 60-80% of the session fee, depending on your insurance plan. You can find more information on my FAQ page.
*Good Faith Estimate Notice: You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services. You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 1-800-MEDICARE (1-800-633-4227).
Many people aren’t sure what “Out-of-Network” (OON) benefits mean. This quick guide will help you understand how they work and what to ask your insurance company.
Out-of-Network benefits are the part of your insurance plan that may help reimburse you for therapy with a provider who is not contracted with your insurance company.
At North Shore Professional Therapy, we are considered an out-of-network provider for most insurance plans.
This means:
Yes — if you choose to use your insurance benefits for therapy (whether your therapist is in-network or out-of-network), a mental health diagnosis is required for insurance reimbursement.
This is not specific to out-of-network care.
Any time insurance is involved in paying for therapy, a diagnosis must be included in your medical record and shared with your insurance company.
This is one of the main reasons our practice remains out-of-network.
By staying out-of-network, we are able to offer clients the option to private pay and receive therapy without a mental health diagnosis being submitted to an insurance company.
For some clients, this added privacy is important. Once a mental health diagnosis is shared with insurance, it becomes part of your insurance record and may be accessible to insurance or employment companies in the future. Having a diagnosis on your insurance record can impact you. For example, having a documented mental health diagnosis may impact your ability to obtain a life-insurance policy or increase your premium, it can also effect your ability to obtain certain licenses or pursue certain career such as becoming an aircraft pilot.
We believe clients deserve the choice and transparency to decide what feels right for them.
Most plans work like this:
Most plans work like this:
When you call your insurance company, ask these exact questions:
If yes, ask:
How much is my deductible?
How much of it have I already met?
A deductible is the amount you must pay out-of-pocket before your insurance starts reimbursing you.Many plans have a separate deductible for out-of-network services.
Many clients choose out-of-network care because it allows:
We are happy to provide you with a superbill and support you in understanding how to submit your claim.
For specific questions about coverage, reimbursement, or deductibles, your insurance company is always the best source of information.
If you would like to check your benefits, please click the link below for instant information. *I always recommend you double check the information with your insurance company to be thorough.