Online Counseling Fees //
Therapy Session - 60 mins $100
Therapy Session - 45 mins $75
Therapy Session - 30 mins $50
Group Therapy Session - $30
I accept all forms of card payment, including cards that are linked to your HSA or FSA account for health-related purchases.
I am in-network with BCBS and Anthem Employee Assistance Program or EAP.
Using insurance for online counseling //
I am "out of network" with several health insurance companies. Health insurance is expensive and it makes sense to look for health providers that accept the insurance you pay for.
However, there are also some important considerations for you to make specifically about using insurance for your mental health treatment and there are certainly some pros & cons.
What does working with an "out of network" therapist mean for you? It means....
1. You do not have to be given a "mental health diagnosis" to get support and help.
Insurance companies require that you qualify for a diagnosis code in order to cover your treatment. This diagnosis will become part of your medical record.
2. You do not have restrictions on how long your sessions are, how often you come, or how many sessions you would like to have.
Insurance companies have regulations on the length of your sessions, how frequently you can attend (some may not allow having 2 sessions in one week even if you want and need it), and how many sessions you are allowed to have per year.
3. Your therapy can look exactly as you want it.
Some companies refuse to cover methods that your therapist might find ideal for your specific concerns, like hypnosis, couples counseling, pre-marital therapy, sessions where the therapist meets with your loved one alone to understand more about the issues, etc. When insurance dictates what is "best" for you based on what they will pay for, your treatment and your progress is stunted.
4. You might save money.
Depending on your plan's deductible and co-pay, you might find that you save time and money working with an "out of network" therapist. Because you have flexibility and your sessions can be longer or more frequent than insurance usually covers, you may be able to experience more progress in less time. Plus, you can save your insurance benefits for later or even choose a less expensive plan going forward.
5. You won't have any financial surprises.
You don’t have to worry about what is or is not “covered” by your insurance company. You won't get a statement from your insurance several months from now saying that you owe money because they decided not to cover something they initially paid for. You know exactly what it costs and you choose how and when to pay.
6. Your therapy will be completely private.
Your sessions are completely confidential. Your information does not get reported to any third party including insurance companies. No one can ask to see your records to decide if you really "need" therapy or if you meet the insurance coverage requirements. This means that what you discuss in therapy does not leave the session without your permission, except in the rare times required by law. We do not report to your employer, your medical provider, your spouse or anyone. That means you are free to discuss anything and everything with confidence.
7. You get to choose who you work with.
Because you are not restricted to the therapists under contract with your insurance company, you can choose the counselor who fits your needs, your personality, your goals, and is trained in the exact type of therapy you need. Research on therapy effectiveness tells us that the connection with the therapist is crucial to progress.
8. You still have the option to file for reimbursement with your insurance.
Most insurance policies that pay for mental health care also cover therapy with "out of network" providers. Your eSupport counselor can provide you with a "super bill" to be submitted to your insurance company for reimbursement or application towards your deductible.
Note that a mental health diagnosis will be required for this.
Filing for Out of Network coverage //
Filing with your insurance company for your Out of Network benefits is free. It can also be complicated and time consuming, depending on the company.
One service that clients have found helpful is Better. Better describes itself as "an app for filing out-of-network health insurance claims. Send us a photo of your claim and we will handle the rest, including determining your eligibility and following-up with your health insurance company."
Better charges 10% of the money you get back from insurance. But if your claim is applied to your deductible or not covered by your policy, Better is free of charge for you. You can read more in their FAQ.
eSupport is not affiliated with Better. This information is provided as an optional resource.