Option 1: Pay out-of-pocket

Many people choose to pay for therapy out-of-pocket for a variety of reasons:

• People may wish to keep their diagnoses private. When billing insurance, a diagnosis code is required for reimbursement/payment. These codes become a permanent record with insurance companies.
• Many people have high-deductible plans, where insurance companies do not pay for therapeutic services until deductibles are met. With relatively healthy individuals and families, these deductibles may not be met within the year. Utilizing insurance in these cases would limit a person’s options as far as what treatments and what providers to see, while not giving them any kind of financial benefit. In these cases, people may choose to forgo the insurance route in order to have more freedom in selecting providers and specialties.

Option 2: Insurance Reimbursement for Out-of-Network Providers

Some insurance plans reimburse clients when they see out-of-network providers. Check with your insurance plan to see if they accept “superbills” for out-of-network providers. If they do, make sure they specify whether you need to see fully licensed (LCSW) clinicians or if they also reimburse for provisionally licensed ones (CSW).

If your insurance offers out-of-network provider coverage, here is how the process works.

1. Client is billed for and pays for service

2. Harmon Psychotherapy & Consulting creates a “Superbill” (or Statement for Insurance Reimbursement), which is a document that includes all relevant information for the insurance company (diagnosis codes, dates of service, amount paid, etc.)

3. Client accesses Superbills through our client portal or by contacting us and asking for it to be emailed to client

4. Client submits the Superbill to the insurance company for reimbursement to be paid directly to the client.