(Anthem Blue Cross/Blue Shield, and all Health Savings Accounts (HSA) or Flex Spending Accounts are accepted for online and office therapy)

Using insurance is not always the best option, even if you have it. I understand many who buy insurance want to get the benefits of what they purchased. However, there are some downsides you might not know about.

Using your Health Savings Account (HSA) or Flex Spending Account is a great alternative to using insurance and will keep your information private at the same time, as well as avoiding common insurance hassles. A Health Savings Account can save you up to 25%.

Think about this:

  • Insurance limits the number of sessions
    Often, insurance will pay for a limited number of sessions. When you have exhausted a certain number of sessions (depending on the insurance company, diagnosis, and so on) they may not cover future sessions. This interferes with the ability for you to get quality therapy.
  • Insurance waives your right to your privacy
    In order for you to use your insurance, your therapist must tell your insurance company your diagnosis and other personal information. On the surface, this does not seem like a big deal. However, this information will stick with you as time goes on. This could raise your insurance rates or even cause an insurance company to deny you. If you purchase insurance out of pocket sometime in the future, (lets say you start your own business) you MUST disclose any previous treatment during the application process.
  • Insurance may limit your choice of Therapist
    Only certain therapists take a particular insurance. Therefore, you could very well not get the best therapy available.
  • You still have to pay your deductible
    In spite of having insurance, you still have to pay your deductible, which may be $500, $1000 or more
  • More information about the pitfalls of using insurance

Volunteers in Psychotherapy discusses the problems with insurance and privacy.

Let's say that you still want to use the insurance that you have purchased

I take Anthem Blue Cross Blue Shield.   If you have a different type of insurance that you want to use, we can bill your insurance "out of network," which means that I will ask that you pay for your sessions upfront and then your insurance company will reimburse you via their fee schedule at a later date. I want you to realize that they will likely reimburse you at a lesser rate than the cost of therapy. Please check with your insurance company for further information.