I am currently taking PacificSource and Medicare insurance.
I am also taking out of pocket payments via check, debit/credit card, Health Savings Accounts, and Flexible Saving Accounts.
Many insurances offer out of network benefits and may reimburse a portion of payments. It may be helpful to ask your provider about the following questions:
- Do I have mental health coverage?
- Do I have out of network benefits?
- Does my plan cover a portion for out of network providers?
- Can payments for mental health services go toward my deductible?
If you need help in understanding what your insurance might cover I am happy to help you.
You may be interested in out of pocket payments if you are:
- Interested in flexibility in frequency of therapy
- Looking for specific needs in therapy and/or a provider that may be difficult to meet when only looking at providers covered by your insurance
- Wanting privacy by not having a file in your health care record regarding services
- Preferring to not have a diagnosis added to your health care record required for care when using insurance