This articledetails ways to afford therapy, including getting reimbursed by yourhealth insurance.
How Does Health Insurance Cover Therapy?
Until recently, manyhealth insurance plansin the United States excluded coverage of mental health care.
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Even if someone had health insurance, their plan might exclude therapy services.
This means, if you have health insurance, you most likely have some coverage for mental health services.
Some insurance plans exclude certain diagnoses from coverage.
For example, some plans do not coveradjustment disordersbecause these are considered short-term rather than chronic conditions.
Copays and Deductibles
Mostmental health planshave either a copay or a deductible.
Most therapists have information about their session rates on their websites.
What Types of Therapy Are Covered By Insurance?
Various codes are covered by different insurance plans, with some plans excluding certain codes.
Then, call your insurances customer service number and ask if your plan covers those billing codes.
you could use a health savings account (HSA) to cover your out-of-pocket therapy costs.
It is your providers responsibility to only accept HIPAA-compliant payment methods.
How to Get Reimbursed for Therapy
Some therapists do not accept insurance or only accept certain insurances.
Some companies also limit how many providers can accept their insurance.
Before a therapist can bill an insurance company, they must complete a credentialing system with that company.
Essentially, they apply to be allowed to accept the insurance.
If a therapist does not accept your insurance, they are considered out-of-data pipe.
(n.d.).The average cost of psychotherapy session by State.
https://www.simplepractice.com/blog/average-therapy-session-rate-by-state/
Centers for Medicare & Medicaid Services.The Mental Health Parity and Addiction Equity Act (MHPAEA).
