Dallas Counseling, PLLC and Justin K. Hughes, MA, LPC are out-of-network with all forms of insurance—or in other words, “private/cash pay” only. However, clients who receive therapy services can submit a “superbill” directly to their insurance and, in many cases, depending on their insurance benefits, can get some reimbursement. While not everyone can, unfortunately, I have seen that insurance best-case can cover over 60% of my billable rate. Check with your insurance provider to find out more.
- I can set up your account to receive automatic monthly “superbills.” It has everything insurance needs to consider a claim.
- You’ll have to file directly with them since it’s out of network (OON). You can always get started by:
- Calling your insurance first (customer service)
- Asking them if you have out-of-network coverage and what the terms and conditions are
- Find out from them exactly when they cover and how much (many people have a high OON deductible, sometimes $4 or 8,000 BEFORE they cover anything). However, I have some clients with great insurance or other medical expenses, so it may be simple or complicated, depending on your situation.
- If you have benefits (OON) that cover, you can then take the superbills you receive from me and send them directly to your insurance.
- Last tip: by law, insurance must provide you with someone who can appropriately treat your medical diagnosis and be available. So, with things like OCD, Phobias, etc., you can always press them because CBT clinicians are often out-of-network, and if they say they have someone, make sure they are accepting new patients and are appropriately trained. If not, you can negotiate a better reimbursement rate sometimes. A few years ago, almost no one was on insurance, and you could refer to the following guide to get them to cover more. However, now, there are at least a few providers who accept some insurance and also specialize in OCD / exposure therapy (BCBS, Cigna). My list of other treatment options has some of those on there.
I wish you the best, and I know it’s hard to find the right treatment and to get it covered. Stay with it! There is hope!
