Out-Of-Network Insurance

Understand Your Benefits

When dealing with your insurance company during a situation where you are choosing a therapist from outside of their network, we recommend looking for a summary of benefits. This can usually be found in the information provided to you by your insurance provider or on their website. It is important to find and understand this information before you choose the therapist from Looking Glass Psychology who is right for you.

We deal with clients who choose out-of-network providers quite often and are always happy to answer any questions or concerns you may have about the process. You cannot put a price on a psychologist who is compassionate and makes you feel comfortable, and for this reason, paying a little more out-of-pocket may be worth the expense. There are details involving deductibles and insurance jargon that may seem overwhelming at times. Instead of allowing your concerns to consume you, reach out to us today to alleviate any stress you may have about the process.

Contact Your Insurance Company

Looking Glass Psychology in New York is an evidence-based therapy center that is dedicated to providing the best care with a compassionate, understanding and individualized approach. That’s why we like to advise our prospective clients on the suggested steps for choosing a therapist from outside of your insurance provider’s network. Once you have a grasp on the benefits available to you based on your coverage, we encourage you to take your preparation a step further and contact your insurance company. In order to be absolutely sure of your benefits, it is best to contact your insurance company. They will clarify what you are and are not covered for, as well as clarify any details associated with out-of-network therapy. If you are not sure what you need to know, here are some questions you can have prepared when you make the call:

• What is my out-of-network deductible for outpatient mental health?
• For outpatient mental health, what are the details of my out-of-network coinsurance?
• How much of my deductible has been met this year?
• Do I need a referral from an in-network provider to see someone out-of-network?
• To receive reimbursement for sessions I paid for out of pocket, how do I submit claim forms for this reimbursement?

These questions are a good place to start to help you get honest and meaningful answers from your insurance company and will make you feel more comfortable when looking for and selecting your therapist.

Inquire About A Superbill

As aforementioned, most insurance companies provide reimbursement for funds and payments you make for therapy out of pocket. In this scenario, Looking Glass Psychology will provide you with a Superbill. A Superbill is provided by your therapist and details how many sessions you’ve had and the total fee. You then simply send this bill to your insurance carrier at the end of each month.

The best therapists in New York City are all different, but they are all qualified to provide treatment for a variety of mental health conditions. It’s important to understand the policies and what to expect from your potential therapist before you make your selection. Communicating with both your insurance carrier and out-of-network therapy providers prior to enlisting their service will ensure you have all of the information and details necessary to feel comfortable both inside of your sessions and out. Looking Glass Psychology is a private practice with some of the best psychologists and therapists in the state on staff.

Receiving Out-Of-Network Reimbursement

Paying for therapy from an out-of-network provider can often feel daunting and overwhelming and with good reason. The first step in receiving out-of-network reimbursement is to find out if the therapist is contracted with your insurance company. If they are, then you will need to work on getting reimbursed through your insurance company. If they are not, then you will need to contact your insurance company and request an exception for this provider.

You are required to pay the entire fee for your session upfront at the time of service. However, depending on your coverage, your insurance company may mail you a check to reimburse a portion of that cost for out-of-network services. This reimbursement amount is dependent upon the specifics of your plan. Looking Glass Psychology understands that there are a variety of details to sort out between providers, coverage, and specifics of your therapy and we are happy to engage with you in person or over the phone to discuss what will work best for you.