What You Need to Know
Being a mental health provider, I frequently get asked by potential clients if I accept XYZ insurance as mental health insurance benefits. This is a great question and there is a two-sided answer to this question. The answer is yes and no. I do not “take” mental health insurance benefits, meaning that I’m not contracted with your insurance carrier; however, I can help you use your insurance coverage for my sessions.
Using Your In-Network Benefits
A quick explanation is, if I was contracted with your insurance company, then I would be an “in-network provider.” Since I am not contracted with your insurance company, then I am an “out of network provider.” Here’s the catch most people do not understand about insurance. By actually paying the same or a just little more, you can utilize your “out of network” benefits hassle free.
What’s important to know about using in-network providers is that it doesn’t give you as many options to connect with the right therapist for you. Adding to the problem is that there may be a limited number of in-network providers in your area making it difficult to find one who is accepting new clients. Then finding the right day and time that fits with your schedule and their availability can be equally challenging.
What Out-of-Network Benefits Mean and How to Use Them
However, I have come across a service that I am working with to help new and established clients use their “out of network” insurance coverage for my sessions. I am a firm believer, that if you have mental health insurance benefits, why not use to them to their fullest potential. I am working with a company called getpatch.com. It’s been around since 2014 used mostly by vision care and dental offices, but it is now broadening into the field of mental health coverage.
Here’s how GetPatch works
In order for me to determine if your insurance will allow me to see you, I will need to first check your insurance benefits. From there, I will be able to determine if you have coverage for mental health services. If so, we can move forward with services and I can submit a courtesy claim on your behalf so insurance can pay you directly for a portion of the billed amount.
The benefits for this is that I care for your healthcare needs and it is tough navigating through the insurance space as I mentioned earlier.
I like to think of it as a part of my concierge service to you. The great thing is that once the claim has been submitted, I have a team of billing specialists who can follow-up and answer your questions, thereafter.
Whether you work with me or not as your therapist, whether you utilize an in network or out of network provider, I hope you find the right fit for you.
Call me at 626.319.5076 or email me at email@example.com to schedule a consultation if you or someone you love is depressed.