Out-of-Network Benefits & Insurance Reimbursement

Clients are sometimes surprised to learn how much of the session fee their insurance may cover once their out-of-network (OON) benefits kick in. When your plan includes OON benefits, reimbursement often ranges from 50-90% of my fee after a deductible is met. A five-minute call to the number on the back of your insurance card is usually what it takes to find out exactly what your insurance plan covers.

I am an OON provider and do not have a direct relationship with insurers, and I require that clients pay my full fee at the time of service ($175 individual, $195 couples). I can submit claims on your behalf to your insurer through my HIPAA-compliant platform as a courtesy. Most clients receive reimbursement checks from their insurance company by mail within a few weeks. If you prefer to handle submission yourself, I provide a detailed superbill for each session that you can use when submitting claims to your insurance provider.

Why I Practice Exclusively Out-of-Network

Greater privacy
Insurance companies frequently request progress notes, treatment plans, or other clinical details when a therapist is in-network. Out-of-network, the only information ever shared (and only if you want insurance reimbursement) is the date of service, procedure code, fee, and diagnosis. Everything we discuss stays between us.

No external limits on care
In-network panels may cap the number of sessions, require pre-authorization, or push for short-term “evidenced based” approaches that are standardized and can be more easily replicated, over approaches that pursue deeper work. Staying outside of insurance contracts means we decide together how long and how often we meet, based on what actually helps rather than what a third party approves.

Consistency of therapist
Insurance panels may drop and add providers regularly. Choosing an out-of-network therapist removes the risk that your plan will suddenly stop covering your therapist the following year.

Focus stays on the work
Direct payment keeps the relationship straightforward. There are no surprise denials, no appeals, and no need to justify continued treatment to a case reviewer.

OON care costs can be more reasonable than some clients assume, and it protects the privacy, flexibility, and continuity that make longer-term psychotherapy effective.

If you questions about your specific plan, you can contact me directly and I’ll help you figure out what’s available.