FINANCE

Why I Don't Accept All Insurance Policies

I understand that my decision not to accept all insurance companies may raise questions. I want to be transparent about my reasons and how this policy benefits my patients in the long run.

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Financial Sustainability

As a small private practice, I face significant challenges when working with insurance companies:

 

1. Low Reimbursement Rates: Insurance companies often set reimbursement rates that don't adequately cover the cost of providing high-quality care.

 

2. Payment Delays: Insurance companies can be slow to process claims, leading to cash flow issues that can be detrimental to a small practice.

 

3. Claim Denials: Insurers may deny claims they deem lacking in "medical necessity," even when we believe the care is essential.

 

4. Clawbacks: Insurance companies can demand repayment for services rendered years ago, creating financial uncertainty and risk.

 

5. Administrative Burden: Dealing with insurance requires significant time and resources, taking my focus away from patient care.

 

Quality of Care

 

Our policy allows us to prioritize your care in several ways:

 

1. Focused Attention: I can dedicate more time to your treatment rather than managing insurance paperwork.

 

2. Longer Sessions: Without insurance restrictions, I can offer session lengths that best suit your needs.

 

3. Innovative Treatments: I'm free to use the most effective treatment methods, not just those approved by insurance companies.

 

4. Privacy: Your treatment details remain between us, not shared with insurance companies.

 

Our Philosophy on Mental Health

 

I believe that seeking help to navigate life's challenges is a normal, healthy behavior. By not relying on insurance:

 

1. No Diagnosis Requirement: I don't need to provide a clinical diagnosis for you to receive care, avoiding unnecessary labeling.

 

2. Holistic Approach: We can focus on your overall well-being, not just treating specific symptoms or disorders.

 

3. Preventative Care: We can work with you before issues become severe enough to meet insurance criteria for "medical necessity."

 

Working with You

 

I am committed to making my care accessible:

 

1. Transparent Pricing: My fees are clear and predictable, with no hidden costs.

 

2. Sliding Scale: I offer reduced rates for those facing financial hardship.

 

3. Superbills: I provide detailed receipts for you to submit to your insurance for potential out-of-network reimbursement.

 

I believe this approach allows me to provide the highest quality care while maintaining a sustainable practice. If you have any questions about my policy or how we can work together, please don't hesitate to contact us.

 

Submitting Superbills for Reimbursement

To help you maximize your insurance benefits, I offer monthly superbills that you can submit to your insurance company for potential out-of-network reimbursement. At the end of each month, I'll provide you with a detailed superbill that includes all the necessary information your insurance company needs, such as dates of service, CPT codes, and diagnosis codes (if applicable). To submit your superbill, contact your insurance provider to learn about their specific submission process, which may involve mailing the superbill or submitting it through an online portal. While I can't guarantee reimbursement, many of our clients have successfully received partial reimbursement for their sessions. If you need any assistance understanding your superbill or have questions about the submission process, please don't hesitate to ask me for guidance.