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Using Insurance For Therapy

Exceptional Relationship Therapy for VA Couples

Relationship counseling is not typically covered by most insurance plans. As such, Dr. April 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!

But 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”

See Appointments & Fees for current session rates and accepted payment forms. All sessions for current or former military members receive a $20 discount.

You may 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.

Option 2: Paying “Out of Pocket” Plus Seeking Insurance Reimbursement

You may pay out of pocket and seek insurance reimbursement for this,  Using “out-of-network” benefits can help make private pay therapy more affordable!

Dr. April cannot complete insurance claim paperwork for clients or file claims on your behalf.  But you can use the Benefits Checker by Mentaya to quickly check your benefits.

Both Mentaya and Reimbursify are services that will submit claims on your behalf if you would rather not file claims yourself.

If you have “out-of-network” benefits for mental health treatment, your insurance company may offer partial reimbursement for your sessions when you see an “out of network” therapist like Dr. April.


As a client at Decision Point Therapy, you’ll automatically receive an insurance-ready receipt, called a Superbill after the close of each month,  You may also access your Superbills at any time through your personal therapy portal.

A Superbill is a specialized receipt invoice that insurance companies require.  It 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 use a service to file claims for you, they’ll need these as well.

If you wish to use your out-of-network health insurance benefits, these are questions to ask of your company prior to beginning private-pay therapy:

  • 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?

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.

If none of these conditions are present many companies will not cover the costs of therapy.

Sadly, improving one’s marriage or long-term relationship is not deemed worthy of coverage and payment as far as health 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 sessions less often to help make therapy more affordable if cost is a concern.  Bottom line: you deserve quality care!  And insurance companies should not stop you from seeking it.


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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