As an Licensed Professional Counselor in Arizona (LPC-11055) , I am considered an Out-of-Network Provider by all health insurance carriers. Conveniently pay for your sessions through our secure patient portal using a credit card or Health Savings Account. You will then receive an invoice and all the necessary information to submit a claim for reimbursement from your insurance.

What is an Out-of-Network Provider?
An out-of-network provider refers to a healthcare professional that does not have a contracted agreement with a specific health insurance plan. When a healthcare provider is out-of-network, it means they have not agreed to the predetermined rates and terms established by the insurance company. Consequently, if you choose to receive services from an out-of-network provider, your insurance plan may provide limited coverage or require you to pay a higher portion of the cost out of pocket.

However, some insurance plans may still offer partial reimbursement for out-of-network services, subject to their specific policies and any applicable deductibles or co-pays. It's important to check with your insurance provider to understand the coverage and reimbursement options for out-of-network providers.

Here are some questions you can ask about your mental health benefits:

1. What is the covered amount for an out-of-network mental health provider?
2. How many therapy sessions does my plan allow? Is there a maximum limit or a specific number of sessions per year?
3. What is the deductible for out-of-network mental health services? Have I met my deductible for the current year?
4. What is the reimbursement percentage for out-of-network mental health services? Will I be reimbursed a fixed percentage of the provider's charges, or is there a set fee schedule?
5. Are there any pre-authorization requirements for out-of-network mental health services? Do I need to obtain approval before scheduling appointments?
6. How can I submit my claims for out-of-network mental health services to be reimbursed? Is there a specific claim form or process that needs to be followed?
7. Is there a time limit for submitting claims for reimbursement? What is the deadline for submitting claims?
8. Are there any specific documentation requirements for submitting claims, such as itemized receipts or treatment summaries?
9. How long does it typically take for claims to be processed and reimbursed?
10. Are there any exclusions or limitations on coverage for specific mental health conditions or treatments?