September 22, 2020
Hi there, friends! We’ve noticed some questions that come up much more frequently than others, so we’re going to cover the Therapy for Women Center FAQs. If there are any we missed, feel free to contact us at firstname.lastname@example.org.
Okay, let’s get into it…
Q: How can I still go to therapy and save money?
A: Believe me, we get it—therapy can be expensive (it is for us too!). It really is an investment in yourself. There are three main tricks to get quality mental health treatment AND save some cash.
1) Get reimbursed by your insurance company for sessions (more on this later…)
2) Use an HSA (Health Savings Account) if you have one. These are processed in our system just like a standard credit card.
3) Asking for sliding scale availability. This is a discount off of a therapist’s standard rate. All of our sliding scale spots are currently full, but when any open up, we will be advertising them!
Q: Do you take insurance?
A: We do not take insurance directly but we do accept out-of-network benefits. What this means is if you have out-of-network benefits, you pay us upfront and we provide you with a statement to submit to your insurance for reimbursement.
Q: How do I know if my insurance will cover therapy sessions?
A: We recommend calling your insurance company directly. Ask them if you have mental health benefits and if you have out-of-network benefits. Also be sure to ask them what your deductible is. Some people have a very low deductible, other people have a $5,000 deductible. This means you would have to pay $5,000 out of pocket on medical expenses BEFORE your insurance company would start reimbursing you. Also be sure to ask if your insurance company covers the code 90834 which is for a 50-minute psychotherapy session.
Q: Why don’t you accept insurance?
A: *Sorry folx, this is a long one but VERY important*
We do not take insurance because insurance companies require us to diagnose, which can have a negative impact on your ability to get coverage in the future AND they get to dictate how long therapy is. Often times, they will only give people a few sessions of coverage and then the therapist has to fight the insurance company to get more sessions– this also means an insurance company can look into your sessions and decide if you are making progress at a rate they are satisfied with or not. After Amanda (our fearless leader) worked at a mental health center that accepted insurance and saw how many people were turned away and the negative impacts insurance had on clients, she chose to not work with them directly.
Q: I’m not local, can I still become a new client?
A: The short answer is, it depends… For clients outside of the state of Pennsylvania, it depends on your own state’s rules surrounding teletherapy. Some states have become more lenient due to the pandemic, but teletherapy still has its limits. It is best suited for someone who needs general life coaching or guidance, and even if that sounds like you, your states guidelines might prevent us from offering that service.