Insurance & Fees

Our clinicians at Englewood Therapy Associates are out-of-network mental health services providers. There are several reasons why we have chosen this path to providing therapy. Please read ahead for more information regarding insurance and fees, as you may find reasons to prefer to opt out of using your insurance for counseling or assessment.

First and foremost, insurance companies will only pay for services that they deem are “medically necessary.” In order to cover your therapy, your insurance carrier will need to be convinced that your mental health is such that it is significantly impacting your daily functioning.

We may have to prove that you are struggling at work, or refusing to attend school. That means that your records will need to include a detailed description of your diagnosis and how you are impacted by it.

You are more than a diagnosis. We prefer to treat you with the respect and compassion that you deserve as an individual who is struggling. 

Many of our clients are fully-functional individuals who are proactively seeking help with life transitions, relationships, sadness, and anxiety. That is, they are seeking help with issues before they become severe enough to meet the criteria for a mental health disorder. That is a beautiful thing.

With that said, many clients will still want to use their insurance to pay for therapy. In order to work with us, your insurance coverage must include out-of-network benefits. You may need to reach an out-of-pocket deductible before insurance kicks in.  If you are comfortable with this arrangement, our office offers courtesy billing to make the process of engaging in therapy easier for you. You will be responsible for your co-insurance each time we meet and we will process all of the paperwork to bill insurance for the session when we’re done. 

Therapy is the most important investment you can make.  We readily spend thousands of dollars on gym memberships, makeup, clothing, etc.  Why not invest in what’s on the inside to make the lasting changes you’re really seeking?  

Psychotherapy is knowledge, and the insight you will gain will last a lifetime.

Reach out today for a free consultation and I will be happy to answer any questions you may still have about using your out-of-network benefits for mental health treatment. 

To understand your out-of-network benefits, contact Support at the phone number on the back of your insurance card. You will want to ask:

Do I require prior authorization for out-of-network psychological / mental health therapy?

What is my out-of-pocket deductible (the amount I'll have to pay my provider before insurance kicks in)?

What is my co-insurance (the amount I have to pay at each session)?

Is there a limit to how many sessions my insurance will cover?