Out-of-network benefits allow you to select the therapist of your liking and still receive reimbursement from your insurance carrier. Many people take advantage of this option as it gives you more flexibility in choosing the right therapist to help you achieve your goals.
Be sure to confirm that your insurance provider covers out-of-network benefits before you pursue this option. You should also confirm the amount of your out-of-network provider deductible, if any, with your insurance carrier.
THINGS TO CONSIDER WHEN ASSESSING YOUR INSURANCE COVERAGE
If you have insurance, please confirm that your insurance covers mental health services by calling the toll free number for Member Services or Behavioral Health Services located on the back of your insurance card. To ensure you get all of the information you need, be sure to ask your insurance carrier the following questions:
· Does my plan provide mental health benefits? · Do I need approval from my primary care physician? · How many sessions am I allowed per calendar year? · Is there a co-pay for mental health visits? If so, what is the co-pay? · Does my plan cover out-of-network benefits? Is there a deductible?
SLIDING FEE SCALE
Diane E. Freedman, LCSW, PLLC is committed to offering affordable mental health services to all of those in need. Besides being uninsured, many clients self-pay for their services for various reasons:
· The insurance plan doesn’t offer mental health benefits · The insurance plan doesn’t offer-out-of network benefits · The client was referred because of our specializations/expertise · A client does not want visits recorded with the insurance provider · Mental health benefits may have been exhausted If you do not have insurance coverage or we don’t accept your insurance plan (and you don't have out-of-network benefits), please speak to us about our sliding fee scale. We will work with you to establish a rate that is affordable, yet covers the cost of the service provided.