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I don’t have commercial insurance anymore but when I did I think my out of network deductible was $1000. I don’t know what the percentage off I would get if I would have met it. But my therapist does not take our insurance now either (Tricare) so I have to just pay cash. It’s expensive ($150/session) but she’s been my therapist for seven years so I didn’t want to find someone else
Out of Network Billing
Does anyone (in the US) have experience with billing insurance for out of network providers? I’m wanting to start therapy with a therapist that, at least on paper, looks amazing for my situation. But she doesn’t accept insurance. I’m fine paying the out of pocket fees, and my insurance does have an out of network deductible. Would I just send the bills for her to my insurance company and hope to get a small percentage back? I would love any insight or personal experience anyone has.
Cross posting this, because I feel like it could be helpful for more than just my situation.
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Ha
This is the same with me, except we just moved here and so I had to find a new therapist. She has all the same credentials and specializes in the same stuff my old one did. She’s $130 out of pocket. Did you ever bill insurance for the out of pocket stuff when you had an out of network deductible?
Check with the clinic to see if they will do out of network claims. You can give your clinic your insurance information and they will bill/process then once insurance is processed you’ll get the bill from your clinic for what you owe. If you have an insurance portal, most tell you the amount you would pay out of pocket for out of network.
c
If she doesn’t take out of network insurances, you may just have to pay full price for the sessions.
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