Aetna, Optum, UMR and United Healthcare.
If am not a provider for your insurance, you may be able to utilize out-of-network benefits through your insurance company. These benefits vary by plan. To determine your out-of network benefits, call the mental health, behavioral health, or customer service number provided on your insurance card and inform them you are seeking counseling services with an out-of-network provider. Your insurance company will inform you if are entitled to reimbursement, and if any deductible applies. I will provide you with a document complete with the necessary diagnostic and service codes to file directly with your insurance company. You will be responsible for paying the full session rate and filing with your insurance company for reimbursement.
If you use an in-network provider, and a claim is filed with your insurance, I must provide a diagnostic code for billing purposes. This diagnosis becomes part of your permanent medical record. Some patients choose to use an out of network provider to preserve their privacy when dealing with emotional or relational difficulties. Other clients choose an out of network provider because they do not want to be limited to those counselors who are contracted with their insurance carrier. Finding an experienced, reputable, effective counselor with whom you connect well is challenging, and ideally, you should be able to choose whomever is the best fit for you based on their expertise and your specific needs.