Payment & Insurance FAQs

Payment & Insurance for Therapy Services
How does payment for therapy services work?

We are a self-pay practice, which means that all clients pay us directly for services. Payment is due in advance or at the time of services. We will go over the details with you. In some cases, you may be able to use your insurance plan for reimbursement.

Can I use my insurance?

In some cases, yes. We are not providers on any insurance plans, so we are considered out-of-network providers for all insurance companies. Some insurance plans allow you to use out-of-network providers and some don’t. You will need to contact your insurance company directly to find out if you have an out-of-network benefit.  If you do, you will still pay us directly, and will need to ask your insurance company how to get reimbursement. We do not bill any insurances directly. 

Questions to ask your insurance company:

  1. First ask your insurance company if your plan lets you see out-of-network providers for mental health therapy. 
  2. If you DO have an out-of-network benefit, ask what you need to do to get reimbursed if you pay a therapist directly for services.
  3. Ask if the insurance company can give you an idea of how much reimbursement you can expect.
  4. You will also want to ask if you have a deductible, how much it is, and whether it’s different for out-of-network services or mental health services.

We will give you the statements you need, called Superbills, to submit to your insurance company with all the relevant information to help you get reimbursed.

Are there reasons I would not want to use insurance?

Some people choose not to use their insurance even when they have benefits that would provide reimbursement. Insurances typically cover only services that are considered medically necessary. This put some limitations on how and when insurance can be used. It almost always means that a mental health or substance abuse diagnosis must be given for insurance to cover services. Maintaining as much privacy for personal health information is another reason some people choose to not use insurance payments.

Do you provide receipts or statements?

Yes, we can provide several types of statements, depending on the purpose you need them for, whether it’s insurance or to receive reimbursement from other sources, for tax purposes, or for your own record-keeping.

What types of payment do you accept?

We accept credit cards or checks. We can keep credit cards on file securely for convenience. Some clients use HSA (health savings plans) or FSA (flexible savings accounts) to pay for therapy services.

Can I use my HSA (health savings plan) or an FSA (flexible spending account) to pay for therapy?

Yes.  If you have an HSA or FSA, you can use it to pay for therapy.

Do you have any discounts?

We do maintain a limited number of discount slots for people who cannot get reimbursement from their insurance companies and cannot afford to pay our normal rates, but would like to find a way to invest in working with us. Please ask us about this option if you think it might be important for you.

A few of our lowest discount slots are offered through the Open Path Psychotherapy Collective, a network of therapists who want to contribute to the work of making psychotherapy accessible and affordable. 

I Want to Know More

I have more questions. How can I get answers?

Great! We are happy to answer your questions. Please call 413.644.0171, use the message form below, or email to get in touch.