Using Insurance For Therapy

Relationship counseling is not typically covered by most insurance plans. As such, Dr. April of Decision Point Therapy is not an in-network provider with any health insurance companies.

This gives more flexibility over your counseling treatment without the constraints of insurance rules and restrictions, and more control over your privacy.

This also allows Dr. April to give you the highest quality care possible and personalized attention.

There are ways to make private pay therapy affordable.

You have two options for paying for therapy at Decision Point Therapy:

Option 1: Paying "Out of Pocket"

If paying out of pocket, you may get a discount of $20 for all sessions as a current or former military member.

You may also use your Health Savings Plan (HSA) account or your Flexible Spending Plan (FSA) account to pay for sessions, or attend less frequently to make therapy more affordable.

See Appointments & Fees for accepted payment forms.

Option 2: Paying "Out of Pocket" Plus Seeking Insurance Reimbursement

If paying out of pocket and seeking insurance reimbursement, please check with your company first to be sure that you have "out-of-network" benefits for mental health treatment.

If you do, most companies will offer partial reimbursement of sessions with non-network mental health providers based on a set percentage.

Using "out-of-network" benefits can help make private pay therapy more affordable.

*Please note that Decision Point Therapy cannot complete insurance claim paperwork for clients or file claims on your behalf.

There are 2 ways to use these benefits and seek reimbursement:

Use the Better App

DIY

To use this option, you will need to file a claim with your insurance company after you have paid for your counseling sessions.  This is straightforward process with for most insurance plans.

You will automatically receive an insurance-ready receipt, called a Superbill, from Decision Point Therapy after the close of each month.  You may also access your Superbills at any time through your personal online counseling portal.

A Superbill is a specialized invoice, which includes the procedure coding, diagnosis coding and session dates that your insurance carrier will need in order to reimburse you.

Your insurance company will need this to review your claim and make a decision about reimbursement.

If you wish to use your out-of-network health insurance benefits, please call your company prior to beginning therapy to ask:

  • What are my out-of-network mental health benefits?
  • Do I need to have a mental health disorder diagnosis to use these benefits?
  • Do I need to meet a deductible?
  • How do I submit a claim for reimbursement?

You may also consider using your Health Savings Account (HSA) or Flexible Spending Account (FSA) to cover the costs of therapy sessions at Decision Point Therapy.

Special Notice: Using Insurance to Cover Couples Therapy

Many insurance plans do not cover couples counseling or relationship counseling unless one or both partners have a covered condition.  This includes mental health disorders such as depression, anxiety, and PTSD.

However, if none of these conditions are present many companies will not cover the costs of therapy.  Improving a relationship or marriage is not yet deemed a mental health issue as far as insurance companies are concerned.

While this is unfortunate, (particularly given the research evidence showing that poor relationships DO affect mental and physical health), it doesn't have to stop you from receiving the help you and your partner need.

You may use the options noted here or schedule counseling sessions less often than once per week to help make therapy more affordable if cost is a concern.

Questions?

Feel free to contact Dr. April if you have questions about therapy fees or using your insurance to receive reimbursement for your treatment.

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