Funding Therapy

Talking to Insurance Companies about Coverage for Therapy

Many individuals have difficulty identifying what their health insurance covers regarding mental health/behavioral health treatment.  Here is an idea of what that conversation would look like, as well as some important questions to ask when contacting your insurance:

“I am looking for a mental health provider that provides _________ (individual, group, family, or marriage therapy). I would like to know what my insurance coverage is for mental health services.  The information I need to find out is what my deductible is; what my copayments are; do I need prior approval; if there is a limit on session numbers; and what providers are in network with my insurance plan. I am looking for a _________ (type of therapist) for _________ (simple description of issue/help needed).”

Ideas for Discussion Points:

  • “I would like to attend therapy _________.”
    • By myself
    • With my partner
    • With my family
    • With my child
    • In a group setting
    • Other:
  • “I would like to work with someone who is trained in _________.”
    • Depression
    • Post-traumatic stress disorder (PTSD)
    • Anxiety
    • Eating disorders
    • Substance abuse
    • Family issues
    • ADHD
    • EMDR therapy
    • Other:

Oftentimes insurance companies know which providers or agencies work with certain issues or treatment modalities, so they will be able to match you with the best provider possible.

  • “I am looking for a ______ to be my mental health clinician.”
    • Licensed Clinical Social Worker
    • Marriage and Family Therapist
    • Clinical Mental Health Counselor
    • Psychologist
    • Psychiatrist
    • Licensed Professional Counselor
    • Licensed Clinical Alcohol and Drug Abuse Counselor
    • Other:
  • “How much is my deductible?”
  • “How much is my copayment?”
  • “Is there a limit on the number of sessions I can attend?”
  • “What provider is in network my insurance plan?”
    • In network: Covered by insurance plan, generally the cheapest option
  • “Does my plan cover out-of-network providers?”
    • Out of network: Not covered by insurance plan, generally the more expensive option
  • “Do I need prior approval?”

Cash Discounts and Payment Plans

If you are paying out-of-pocket (no insurance coverage) for therapy, 4 Healing Center offers a discount of $40 for intake sessions and a discount of $20 for regular sessions.

4 Healing Center is happy to offer payment plans that fit your schedule. Please call or talk to the office manager for more information.

4 Healing Center offers a one-time $20 discount for clients who write a review on Google, Facebook, Health Grades, Yelp, etc. To do this, look up 4 Healing Center on Google, Facebook, Health Grades, or Yelp and rate the Center and write a review, and show the office administrator your post.