INSURANCE
IN-NETWORK WITH:
CT Medicaid/Husky
Cigna/Evernorth Behavioral Health
Aetna
Optum (Including: UnitedHealthcare, Oscar,
Harvard Pilgrim, Oxford)
*Out-of-network with all other insurance carriers.
SERVICE RATES
Diagnostic evaluation: $185
60 minute session: $150
30 minute session: $75
Sliding scale available on a case by case basis
USING INSURANCE:
Depending on your current health insurance provider, it is possible for mental health services to be covered in full or in part. Please contact your insurance carrier to verify your mental health benefits. I'd recommend asking the following questions to your insurance provider to help determine your benefits:
-
Does my health insurance plan include mental health benefits?
-
Do I have a deductible? If so, what is it and have I met it yet?
-
Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
-
Do I need approval from my primary care provider in order for services to be covered?
-
Does my plan cover telehealth services?
OUT-OF-NETWORK INSURANCE
Many insurance carriers offer out-of-network benefits. This means that you are responsible for paying the full session fee up front, and then your insurance company may reimburse you for the session. I can provide you with a "superbill" or receipt for your session to send into your insurance company. To determine if you have out-of-network benefits, please call your insurance provider to find out. I'd recommend asking the following questions to determine your benefits:
-
Do I have out-of-network benefits?
-
Do I have a deductible? If so, what is it and have I met it yet?
-
At what percentage do you reimburse after I've met my deductible?
A FEW THINGS TO CONSIDER...
Although you may have insurance, some people choose to self-pay for services for a variety of reasons. Insurance companies require me to provide a diagnosis, and may ask me to provide other information on our work together in order to decide how much treatment they will cover based on medical necessity. Some insurance providers may set limitations on session length, type of therapy provided, and number of services per year. Although having a mental health diagnosis is considered protected health information under HIPAA, some people would prefer to not have a diagnosis due to fear of stigma, and perceived implications this may have on their employment, future insurance coverage, etc. Self-pay services allow clients increased privacy and control over their treatment. Sliding scale fees are available on a case-by-case basis.