Insurance

We are currently in-network with 

Aetna

Blue Care Network

Blue Cross Blue Shield of Michigan

Cigna Behavioral Health/Evernorth

McLaren Commercial and Medicaid

Optum

Physicians Health Plan (PHP)/University of Michigan Health Plan

Priority Health

United Healthcare

If we are not an in-network provider with your health insurance, you can choose to use your out-of-network benefits to seek reimbursement from your insurance company. At your request, we will provide you with a "superbill" that you can use to submit for reimbursement.

Many insurance companies will cover 50-100% of the fee as an "out-of-network" provider. The best way to determine the portion of the fee that your insurance company may (or may not) cover is to contact them directly by calling the customer service number on the back of your insurance card. When speaking with your insurance company, you will want to say/ask them the following:

• Ask for "outpatient mental health benefits" or "behavioral health benefits"
• Write down the date and time of your call as well as the person's name with whom you're speaking
• Ask what your "out-of-network" outpatient mental health benefits are
• Ask if you have a deductible you must meet before your benefits begin paying for out-of-network providers
• Ask if there are any limitations to services, such as a maximum number of sessions or total amount of money allowed, or certain diagnostic codes
• Ask if you need a referral in order to submit for reimbursement for outpatient mental health services
• Ask how you go about submitting receipts (online or by mail)
• Ask how long the process takes to get reimbursed after receipts are submitted

Billing health insurance requires us to use and submit a diagnostic code. Some clients elect not to bill health insurance due to concerns about privacy and/or wanting to avoid a diagnostic code which will remain in health records for life. If you wish to use health insurance to pay for therapy services, I will determine if you meet the criteria for billing your health insurance at an intake session. If you do not meet criteria for a diagnostic code, you will have the option to self-pay for services.