Currently, I can accept the following health insurance plans as an “in-network” provider:
1. Cigna Behavioral Health
2. Managed Health Network (MHN, Inc.)
5. Blue Shield of California (only some policies – need to verify)
6. Anthem Blue Cross
I can see clients with Aetna insurance as an “out-of-network” provider.
For some people, it might be worth checking with your health insurance company to see if you have an “out of network” behavioral health benefit. Typically, your “out of pocket” cost is a little higher (e.g., higher copayment or coinsurance, and often there are deductibles to be met, etc.), but this is nevertheless an option for some people.
When I speak to you over the phone before our first appointment, I will ask you for your health insurance information if you would like to pay for sessions through your insurance. I will need your full name and/or the name of the subscriber, date of birth, your ID number on your insurance card, any group numbers on the front of the card, and any phone numbers on the front or back of the card that direct me to either Customer Service, Provider Relations, or Member Services (or all of the above). Typically, even if you have already done so, I will contact your insurance company prior to our first session to determine eligibility and benefits and to obtain any authorizations (if necessary) to make sure your visits will be covered. This also allows me an opportunity to clarify where to send the claims for your visits (all insurance plans are a little different, so I always like to verify beforehand). I will go over the details of what I learned about your benefits when we meet in our first session, so you are fully informed about your financial obligations and the coverage for which you are eligible through your insurance. It is your responsibility to inform me of any changes in your insurance plan during our work together, so that we can work together to make sure your sessions will be covered.
Please note that missed sessions and late cancellations are NOT covered by health insurance, and costs related to these occurrences are borne by the client. Details about my no-show and late cancellation policy are outlined in a document entitled “Client-Therapist Services Agreement,” which I send to all prospective clients before we begin treatment.