Because the Creative Family Counseling Team values clients’ privacy, no Therapists currently contract with insurance companies and each Therapist would be considered an Out-of-Network Provider. Many clients utilize their private insurance with benefits like their Flexible Spending Account (FSA), Health Savings Account (HSA), or Health Reimbursement Account (HRA) cards. Oftentimes, clients are able to successfully pay for counseling sessions with these benefit cards without CFC billing through their insurance and assigning a diagnosis and/or sharing private health information (PHI).
Also, many insurance companies will pay for out-of-network services provided that a mental health diagnosis is given to the client. Should clients decide to seek Out-of-Network reimbursement for their counseling at Creative Family Counseling, Therapists are willing to complete these forms for clients. The insurance company may require access to your confidential medical records and require a receipt of services, which can be provided upon request and with appropriate authorizations in place. Please contact your plan administrator for more information regarding your insurance related questions.
There are many benefits to private pay counseling, such as you and your therapist being able to call the shots regarding the frequency of your visits and type of counseling you receive, as well as avoiding a mental health diagnosis from going onto your permanent health record and medical history, which unfortunately can have implications on ability to obtain certain types of insurance or jobs.
If clients find that the full fees for counseling at CFC are cost prohibitive, be sure to ask which Therapists have sliding scale spots available on their schedule!