Using Insurance
Does HFT Accept My Insurance?
This depends on your insurance provider and plan.
We do not directly bill insurance, but clients can still use their insurance to help cover the costs of therapy if they have “out of network benefits.”
HFT therapists are what are known as "Out of Network" providers. If your insurance plan has out-of-network benefits, then you may be eligible to receive direct reimbursement payments from your insurance provider.
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Clients are responsible for payment at the time of session.
They are provided with a statement of services (also known as a "superbill") which they can submit to insurance for direct reimbursement.
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Read more below about important things to understand
about using your insurance.
Check Your Insurance Plan Benefits:
Follow the link below to determine whether your insurance plan may cover our services.
Please contact us with any questions about understanding your insurance plan coverage and benefits.
The information provided by Reimbursify may not be comprehensive, in which case we can provide you with follow-up questions for your insurance provider.
We are always happy to answer any questions.
Understanding Your Coverage
We highly recommend that clients wanting/planning to use insurance directly contact their insurance provider before the start of therapy.
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1. Understanding what you can expect to have covered,
when and by whom is extremely important information!
Checking benefits ahead of time can provide a lot of peace of mind and save on future headaches and hassles.
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2. Connect with the right services
Knowing this information can help you connect to the right services for you.
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3. If you have in-network mental health coverage
but also have a high deductible,
you might be paying out-of-pocket for therapy either way. Your deductible is how much money you have to pay each year, before insurance starts covering the costs (or a portion of the costs). If this is the case, you can consider if you will reach the deductible amount quickly enough to benefit. Some clients in this situation decide to opt for private pay, so they can choose to see the therapist they want to see rather than an in-network therapist.
Key Insurance Concepts
When you contact your insurance provider,
the following terms and questions may help you
understand what to expect.
1
"Out of Network Benefits"
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Does your plan cover "out-of-network" mental health services/providers?
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Is prior approval or authorization required?
2
Deductible
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How much is the deductible?
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Is there a different deductible for out-of-network benefits?
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What is the current balance of the remaining deductible?
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On what date does the annual deductible restart?
3
Reimbursement
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How much can I expect to be reimbursed of the total therapy session fee?
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What is the protocol for submitting service statements/superbills/claims to the insurance company?
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What is the expected timeline of receiving reimbursement?
Additional Considerations
While many choose to use insurance for the potentially lower cost,
it is also important to note these important factors before moving ahead...
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Actual Expected Costs
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Have you received the information you need about expected reimbursement amounts?
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Do you have a high deductible, and if so, can you expect be paying out of pocket for therapy services either way?
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Privacy / Confidentiality
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Using insurance makes your protected health information (PHI) available to the insurance company (a third party)
Diagnosis
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Assigning clients a diagnosis (with a medical diagnosis code) is a requirement for billing insurance, which becomes part of a client's medical record.
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Some clients do not want a diagnosis or do not want this to be part of their medical record.
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Potential Session Limits or Specifications
Some insurance providers have limits about how many sessions can be held for a particular diagnosis or other specifications about the course of therapeutic treatment that they will cover. These are good questions to ask ahead of time. ​
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Choice of Therapist
Using your insurance can limit your choices to a provider that is within network with your specific insurance company.
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