Vitality Therapeutic Services is an out of network provider, and does not accept insurance. There are a few reasons for this. First, our work together in therapy is confidential, and when working with insurance companies, they require the release of your protected information including information about your mental health and your sessions. Second, insurance companies require your therapist to provide you with a diagnosis of a mental illness. This diagnosis becomes part of your permanent medical record and can present future difficulties for you. Additionally, some insurance plans limit the number of sessions available to you, which very often isn’t aligned with the number of sessions you may need or want. The main takeaway here is it’s important to me that you get what you need from therapy, rather than have your therapy dictated by someone not involved in our work together. Please contact me if you have any questions about this.
Some clients choose to use their out of network benefits for therapy sessions. I am able to provide a Superbill to you which you may submit to your insurance if you have out of network benefits. This means you would pay for your sessions out of pocket and then submit paperwork to your insurance company for reimbursement later (which goes directly to you).
To find out if you have out of network benefits, please contact your insurance company directly and ask them about your behavioral health coverage.
You might ask the following questions of your insurance company:
- What are my out of network benefits for seeing a therapist?
- Do I have a deductible? How much do I need to spend to meet this deductible?
- What is the process for requesting reimbursement if I use my out of network benefits? What paperwork does my insurance company require for reimbursement?
- If I do have out of network benefits for therapy, how much will I be reimbursed for a therapy session when I submit my paperwork to insurance?
- Are there any limitations to my behavioral health benefits such as a limit in number of sessions per year, which therapists are covered under my out of network benefits, or a limit on how much I can be reimbursed for out-of-pocket costs?
- What about teletherapy sessions? Can I be reimbursed for them?