Please assume that working with me will not be covered by out-of-network or third party benefits unless you have clear confirmation from them that states otherwise. Nevertheless, if you are eligible for out-of-network benefits, here’s how your reimbursement process might look:  1) You pay me our full agreed upon fee.  2) I provide you with a detailed receipt, often called a superbill, which you independently submit to your insurance company for potential reimbursement. The process is similar if you have a high deductible insurance plan and a Health Savings Account (HSA), which can offer significant tax benefits. 3) If eligible (which I recommend you confirm with your insurance company, in-writing, before we start working together), your insurance may reimburse as consistent with your policy.  Note: It is your responsibility to confirm your benefits and deductible status with any third-parties, and you remain responsible for our full agreed upon fee. 

Key questions to ask include: 1) Is pre- authorization required, and if not, will the insurance company provide written pre-authorization for a specific provider, 2) Will they reimburse for "behavioral health" services with a "Professional Counselor Associate" (a provisional license status that requires supervision), and 3) Do they require you to get a referral to "behavioral health" from a doctor (usually a MD or Osteopath).