Paying for therapy doesn’t have to be overwhelming!

You may be able to file with your private insurance company to recoup the entire cost of your therapy treatment - or at least a portion of it. The 2008 Mental Health Parity and Addiction Equity Act2008 Mental Health Parity and Addiction Equity Act states that insurance providers must provide the same amount of coverage for mental health and substance use as they would for other medical and surgical care. In addition, the Affordable Care Act made financing mental health treatment easier than ever.

Call your insurance.

Each carrier and plan is different, so verify your out-of-network benefits with your insurance company before scheduling your initial therapy session. Be prepared to provide your personal demographic and policy information.

Checking for coverage & submitting a claim - what you should ask.

1. Find out your out-of-network benefit for mental health outpatient services.
2. Check whether or not you are responsible for a copay, coinsurance, or deductible.
3. Be sure to inquire if there are any limits or authorizations required.
4. Ask to verify a mental health outpatient provider eligiblity and benefits. (see provider information below)
5. Find out how to submit a claim for reimbursement (this may be online or by mail).
6. Verify how long it takes to process your claim and when you can expect to receive a reimbursement check.

Okay, so how does it work?

After scheduling your initial therapy session, you will receive an email link to complete online intake forms through my secure client portal. You will be asked to store your HSA or credit card payment information as well. After each therapy session, your payment is processed and you will receive an email with a secure link to your receipt/insurance claim form. This is the form you will submit to your insurance company for reimbursement.

Utilize your benefits!

1. Schedule your therapy session at  https://www.kellyfisk.com/
2. Your stored payment method (HSA or credit card) will be charged after your therapy session
3. You will receive an email with a secure link to your receipt/claim form
4. Submit your receipt/claim form to your insurance company and wait for your check to arrive!

Info you may need...