Using insurance for psychotherapy
We accept all PPO insurance plans as out-of-network providers. We provide you with an invoice (also known as a “superbill”) at the end of every month, which you can submit to your insurance company for reimbursement.
Usually, you pay the full fee upfront and get a percentage of it back, but that varies from plan to plan. We find that this balance usually works well with clients. In our experience, clients have had a hard time finding a good in-network therapist.
Here are some questions you can ask your insurance provider in order to get an accurate idea about your out-of-network insurance benefits. Make sure you follow these directions in detail.
Find out what percentage is covered for “out-of network” or “non-participating providers.”
Find out the “maximum allowed amount” per session (this is sometimes referred to as “reasonable and customary fees”) for zip code 90401 for Masters Level or LCSW clinicians. Brooke Sprowl’s license number is LCS29126 if needed and the CPT/procedure code is 90837 (if they need approval for that procedure code you can tell them 90834). Often insurance reps aren’t well trained and don’t know what the maximum allowable amount is so be sure to ask for a supervisor if they can’t help you.
Find out if you have a deductible for out of network providers and how much it is.
Find out if there is a difference in coverage for “parity” diagnoses and if so, repeat questions 1-3 for parity coverage.
Using EAP & HSA for psychotherapy
Some employers offer Employee Assistance Programs (EAP) that may cover a certain number of sessions. Also, your cafeteria plan or Health Savings Account (HSA) can be used to pay for sessions.
Using Insurance for Hypnotherapy
Insurance companies do not directly cover hypnosis performed by a certified hypnotherapist. Some insurances may cover the services of physicians and mental health professionals who use hypnosis or hypnotherapy tools in their practice. As more and more studies show that hypnosis helps patients with many common medical problems, interest in hypnotherapy for medical issues is greater than ever before, but is still underutilized for these issues (medical necessity, required by insurances). Hypnotherapy is usually considered vocational/avocational self improvement even though it can provide great medical benefits. Hypnotherapists don’t work with insurance companies directly. Therefore, if you are considering hypnosis, check with your insurance company to see if services can be covered, and make it clear that you are interested in being hypnotized for medical purposes. All sessions must be paid out of pocket. A bill can be provided to you for you to submit directly to your insurance to see if it can be reimbursed by your insurance company’s out of network benefits.
Using Insurance for Massage Therapy
A bodyworker can provide a superbill with a prescription and referral. Any doctor that does an intake can prescribe for massage therapy. Each session would be paid up front, then, we send a bill after that session with the referring doctor’s license number and massage ICD codes. We can also forward that bill directly to the insurance adjuster.