Cognitive Behavior Therapy Center (408) 384-8404
CBT for Anxiety & Related Problems • San Jose/Silicon Valley
Insurance
Do you take insurance?
I am an out-of-network therapist, which means you would pay for your therapy sessions at the time of service and submit the claims to your insurance company for reimbursement. If you have mental health benefits that allow you to see an out-of-network therapist (often called a PPO), you may be able to receive partial reimbursement for therapy services. In addition, I may be able to submit claims electronically for you. Keep in mind that insurance companies will require that you have a valid mental health diagnosis and may limit coverage by diagnosis, procedure code or number of visits. In addition, you may need to meet a deductible before your insurance company starts to reimburse you. I am not an in-network provider for any insurance companies. Please call your insurance company to review your benefits and obtain pre-approval (if required) before starting therapy.
Why should I see an out-of-network therapist?
While it can be less expensive to see an in-network therapist, there are several benefits to seeing an out-of-network therapist:
- You can choose the therapist you want to see.
- You can find a therapist with specialized skills and training. For example, I am a certified cognitive behavioral therapist specializing in evidence-based therapy for anxiety disorders, obsessive compulsive disorder (OCD) and eating disorders. Most in-network therapists are generalists.
- Out-of-network benefits may cover up to half or more of the cost of therapy. Call your insurance company to verify your coverage.
- Unlike most out-of-network therapists, I may be able submit claims electronically for you and the insurance company will mail qualifying reimbursements directly to you. This saves you the time and effort of filing claims yourself. Most out-of-network therapists will provide you with a receipt and you'd still need to complete the paperwork to get reimbursed.
What is the process for you to submit claims for me?
As a courtesy, I can submit claims electronically to most insurance companies if you have a PPO with out-of-network benefits. If your insurance company will allow me to submit claims for you electronically, then you won't need to fill out the claims paperwork and the insurance company will send the reimbursement checks directly to you. While it can take up to 3-6 weeks to receive the first reimbursement check, I submit claims weekly. Once the process gets started, you should be receiving reimbursements on a regular basis. Since all plans are different, please contact your insurance company to find out about your benefits.
Your responsibilities are to:
- Call your insurance company before starting therapy to review your benefits and obtain pre-approval (if required).
- Pay for therapy sessions in full by credit card, check or cash at the time services are delivered.
- Provide me with information about your insurance plan so I can prepare the claims and submit them electronically on your behalf.
- Follow-up with your insurance company after the claims are submitted electronically if you have questions about your claim status and when you'll get reimbursed.
Laura L.C. Johnson, MBA, MA, LMFT
Cognitive Behavior Therapy Center for Anxiety & Related Problems
Certified by the Academy of Cognitive Therapy
Certified by the Academy of Cognitive Therapy
Licensed Marriage & Family Therapist, MFC48807
1475 Saratoga Avenue, Suite 168
San Jose, CA 95129
(408) 384-8404