- Do I have mental health insurance benefits?
- What is my deductible and has it been met?
- How many sessions per year does my health insurance cover?
- What is the coverage amount per therapy session?
- Is approval required from my primary care physician?
** (In process of contracting with Blue Cross & Blue Sheild)
Upon request, Dunamis Center, LLC will provide you with a detailed invoice (called a “superbill”) after each session. It contains all the information that most insurance companies require. If your insurance company requires that some other form be filled out, please have that form available for the practice to complete. Please know specifically what your insurance company will need from you so that the practice can provide you with the adequate documentation that you need. Once you have your documentation, you can provide it to the insurance company so that it will reimburse you for your payments.
Dunamis Center, LLC will answer any questions you have about this process and support you in getting your claims paid if you have problems. Interacting with insurance companies can be confusing and there is no need to have an extra barrier in your life.
For most people, using insurance to cover mental health concerns does not pose a problem. The unfortunate reality is that seeking mental health care through your insurance can sometimes have unplanned consequences. Insurance companies only cover care that is “medically necessary”. This means, that they will typically only cover counseling for issues that have a recognized mental health diagnosis attached to them.
Your provider will be required to assign a diagnosis to you in order for you to get reimbursed for any counseling that you engage in. Furthermore, when submitting a claim to your health insurance, you permit your provider to provide the clinical information that the insurance company requires to substantiate the medical necessity of your care. Thus, your diagnosis and sometimes the supporting evidence for that diagnosis becomes part of your health record. This could affect your ability to get life insurance in the future. It could potentially impact other areas of your life that take your health record into account. Since the passage of the Affordable Care Act, it is more difficult for future insurance companies to use your health record as a way to deny future insurance coverage because of a pre-existing condition so there are far fewer reasons not to use insurance benefits now than there were in the past.