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I am not on any insurance panels, but my services are eligible for out-of-network insurance reimbursement from health insurance companies and employee benefit plans that offer such mental health coverage. I prefer not to be on any health insurance panels because 

• They limit the privacy and confidentiality of the person I’m working with.
• They require a psychiatric diagnosis (even in persons who don’t have clearly diagnosable symptoms).
• Their goal is to manage (i.e., "keep their costs down") your access to services
• They require extensive paperwork and long phone calls.
• They can hinder a mental health provider’s ability to practice effectively by setting limits on number of sessions, type of treatment, etc.  

In short, being out-of-network permits me to offer a higher quality service to my clients.    

I can provide the necessary documentation (superbill) you may need for reimbursement based upon your out-of-network benefits. Your insurance or benefit plan may reimburse you for some or all of the services I provide. 

You are responsible for checking your insurance coverage to determine what portion of my services may be reimbursed by your insurance plan.  The best way to do this is to contact your insurance company directly by calling the customer service phone number on the back of your insurance card (there may be a separate number for mental health services information). When speaking with the insurance company representative, you will want to ask the following questions:  

• Do I have mental health benefits? 
• What are my out-of-network outpatient mental health benefits? 
• How many sessions per calendar year does my plan cover? 
• What is the coverage a mount per therapy session? 
• What is the "usual and customary rate" allowable for an initial individual consultation (procedure code 90791) and for a subsequent individual  therapy session (procedure code 90837)?   

                    Please Note: reimbursement for intensive EMDR sessions is more complicated. 

                    Please speak to Dr. Robinson about CPT coding issues involved in extended services. 

• Must I meet a deductible before my benefits will begin paying?  What is it and has it been met?  
• Is approval required from my primary care physician?   

Many individuals who have health insurance decide not to use it for coverage of mental health services, and instead pay for therapy as an "out of pocket" expense, or via a flexible or health savings account. Typically, this is due to privacy concerns and the potential release of personal information to health insurance companies and their affiliated entities.  If you decide not to use your health insurance to cover my services, your personal information and records will not be released to third party payors or their affiliates.