Understanding Private Pay and Out-of-Network Benefits

Working outside of insurance is common in private practice, and it offers several advantages. No diagnosis code is required for billing, session length and frequency are not set by a claims reviewer, and what you discuss in session stays private.

Private-pay rates and insurance-reimbursed rates for therapy differ across the country, which is part of why many therapists, especially those offering specialized training, choose to stay out of network. If your insurance plan includes out-of-network benefits, I provide a superbill you can submit for possible partial reimbursement.

How to Check Your Benefits

Before your first session

Call the number on the back of your insurance card and ask: "Do I have out-of-network benefits for outpatient mental health, and what is my reimbursement rate?" I will provide the paperwork (a superbill) that you need to submit a claim after each session.

Questions About Cost?

This is a common thing to bring up during your free consultation call.

Related Reading

What Therapy Costs in Florida Without Insurance →