I am a participating in-network provider with Aetna. I also work with many clients insured by other insurance companies on an out-of-network basis.
If you are insured by Aetna, you will be responsible for paying any applicable deductible and co-payment or co-insurance as defined by your policy.
If you have coverage through any insurance plan other than Aetna, you would be responsible for my full fee. If you have a PPO plan, you would be eligible for reimbursement for some percentage of fees paid to an out-of-network psychologist. Each month, I provide a statement that you may submit to your insurance company for reimbursement.
Before getting started with treatment, it’s best to know your benefits. I suggest calling the toll-free number on your insurance card to ask about the rate at which you would be reimbursed for fees you have paid an out-of-network psychologist. I recommend asking the following questions:
- Does my plan’s mental health coverage include benefits for going to an out-of-network psychologist?
- Am I responsible for paying an annual deductible before starting to receive reimbursements for psychotherapy?
- Is pre-authorization required?
- How many sessions does my policy allow per year?
- At what rate would I be reimbursed for fees I have paid an out-of-network psychologist?
- What is the typical time lag between submitting a claim and receiving the reimbursement check?