Questions to Ask Your Insurance Company

Any arrangement you have for medical insurance is a contract between you and the insurance company. In order for you to know clearly what your coverage is, you will need to call your insurance carrier and find out exactly what outpatient mental health services your policy covers with your therapist and what the conditions of coverage are.

If our services are In-Network:

Is pre-certification necessary?
   • Is there a deductible?
   • What is the co-pay (if any)?
   • Is there a limit of sessions per year?
   • Are the mental health benefits carved out to another entity?

If our services are Out-of-Network:  
   • Is pre-certification necessary?
   • What is the deductible?
   • What portion does the insurance pay per session?
   • Is there a limit of sessions per year?

If your insurance carrier does not cover, or ceases to cover, for any reason, you are financially responsible for all charges. It is always your right to pay for services yourself and avoid all of the intricacies of insurance.

Confidentiality

Confidentiality is a vital aspect of the counseling process, and the information you entrust to me, will be guarded. I will make every effort to help you find ways to resolve a problem as privately as possible. The contents of a counseling intake or session notes are held confidentially. Both verbal information and written records will not be shared with another party without the written consent of the client or the client’s legal guardian, unless the information you share represents a danger to yourself or someone else. The following are mandated disclosure guidelines.

Disclosure that is required under Federal or State Law:

Duty to Warn and Protect: When a client discloses an intention to harm another person, the health care professional is required to warn the intended victim and report this information to legal authorities. In cases where the client discloses or implies a plan for suicide, the health care professional is required to notify legal authorities and make reasonable attempts to notify the family of the clients.

Abuse of Children and Vulnerable Adults: If a client states or suggests that he or she is abusing (or has recently abused) a child or vulnerable adult, or that the child or vulnerable adult is in danger of abuse, the health care professional is required to report this information to the appropriate social service and/or legal authorities.

Professional Misconduct: Professional misconduct by a health care professional must be reported by other health care professionals. In cases in which a professional or legal disciplinary meeting is being held regarding the health care professional’s actions, related records may be released to substantiate disciplinary actions.

Court Orders: Health care professionals are required to release records of clients when a court order has been placed.