Health Insurance is incredibly complicated, and deciding whether to use your insurance benefits is a personal and sometimes complex decision. Insurance companies approach mental health concerns using a medical model and can dictate certain aspects of your care, including requiring a diagnosis to justify care and dictating the length of sessions, however they also sometimes make accessing care more affordable. If you have questions about using your insurance benefits, please let me know and I can share some resources to help you decide.

I am an In-network provider for the following insurance companies:

United Health Care/United Behavioral Health, United Healthcare Student Resources, Medica, Bind, Surest, UMR, Blue Cross Blue Shield, Health Partners, and Aetna.

Being an In-network provider means that I can bill your insurance for the services I provide to you. They will cover them based on the coverage outlined in your health insurance policy. This means you may have a Co-pay, Co-insurance, or a deductible that you’re responsible for paying. It is always important to check your coverage with your insurance company so you know what your costs will be.

I am an out-of-network provider with all other insurances. This means that you may be able to use your insurance benefits by paying for you care at the time of service and presenting a receipt for the cost of your care to your insurance company for reimbursement. *Please note that i am currently pursuing contracts with several insurance companies to provide “in-network” care, which can be a lengthy process. Please ask if you have questions.

Relational Family Therapy: Wise Spring approaches Family Therapy through a relational and system lens that focuses on patterns of interaction, communication, and relationships within the family system rather than on identifying a single individual as the “patient” with a medical diagnosis. Many insurance companies require the designation of one identified patient and the assignment of a mental health diagnosis in order to reimburse services. This requirement can medicalize relational concerns and may inaccurately place responsibility for family dynamics on one family member.

Insurance Resources:

Therapy Den Blog on How to Pay for Therapy Using Insurance

This Blog by Kindman & Co shares some things to consider as to why NOT to use insurance to pay for therapy. Kindman & Co. is a therapy clinic out of CA with whom I have no affiliation.