Our providers are in-network with a wide range of insurances including Aetna, BCBS, United Healthcare, Cigna, Oscar (Optum), Quest Behavioral Health, Oxford (Optum), Carleon Behavioral Health, OccuNet, Baylor, Scott & White, Curative Health, and more.

Out of Network

If we are not an in-network provider with your insurance, you can choose to use your out-of-network benefits to seek reimbursement from your insurance company. Most insurances pay out of network benefits to which I can generate a super bill for reimbursement.

Many insurance companies will cover 50-100% of the fee as an “out-of-network” provider. The best way to determine what portion of the fee may (or may not) be reimbursed by your insurance company is to contact them directly by calling the customer service phone number on the back of your insurance card (there is often a separate phone number for mental health or “behavioral health” services information). When speaking with your insurance company, you will want to ask them the following questions:

• What are my “out-of-network” outpatient mental health benefits? How much of each therapy session will your insurance provider reimburse?

• Do I need to meet a deductible (the amount of money you have to pay before your insurance company will start to reimburse you) before my benefits will begin paying for out of network providers? Have I already paid any of this deductible?

• Are there any limitations to services (e.g., only a certain amount of money allowed for mental health reimbursements, a limited number of sessions, reimbursement only for certain types of diagnoses, etc.)?

• Do you need any kind of special referral (i.e., from a primary care doctor or your University Counseling Center) before I can be reimbursed?

• How long will it take to get reimbursed?

• Where do I need to mail or email my receipt?

Many individuals who have health insurance elect not to use it for coverage of mental health services, and instead pay for therapy as an “out of pocket” expense, or use their flexible or health savings account. Most often, this is due to concerns about the privacy of their health information, and the potential release of this information to health insurance companies and their affiliated entities.