Get Your Questions Answered…

Even when life feels easy, knowing what to expect is helpful. When you are struggling, this knowledge can give you the confidence to reach out for help.

When you choose Purposeful Path for your therapy, we want to walk with you every step of the way. On this page, we hope to help you understand what you can expect as a client at our practice.

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What To Expect As A Client…

Rates & Insurance

Do You Accept My Health Insurance?

Purposeful Path Counseling is an out-of-network mental health provider. That means that we do not accept health insurance for payment of services. We accept all major credit cards and HSA/FSA cards for direct payment. Upon request, we can also provide you with the information you need to get reimbursed by your insurance company if you have out-of-network mental health benefits (it’s called a superbill).

We choose not to accept insurance for a few reasons, and we want to be transparent about our decision:

  • Insurance companies often limit the number of sessions you can have, the treatment you can get that they will cover, or what type of therapy must be provided for certain issues. That results in insurance companies choosing how to care for you instead of your therapist.

  • Insurance companies have all kinds of rules about what they will and will not reimburse for, and sometimes that ties a therapists’s hands regarding appropriate care; none of our therapists like to be put in that position. We want to deal directly with you in offering treatment.

  • Insurance companies require us to provide them with a mental health diagnosis for you, regardless of your reasons for seeking therapy, and this becomes a permanent part of the health record. We as therapists want to protect your private health information; however, you own your information and can choose whom to divulge it to, including your insurance company with superbills.

  • Being an out-of-network provider allows us to keep our practice small and allow our energy to be used for keeping up with new research in psychotherapy, attending conferences and trainings, and collaborating with colleagues we trust, instead of arguing with insurance companies about your care…no one likes fighting with insurance companies, even therapists!

If your insurance company does provide out-of-network outpatient mental health benefits, we are happy to provide you with a superbill to get reimbursed for as much of the cost of each session as possible!

What is a Superbill?

A Superbill is a document you can request to seek reimbursement from your insurance company for out-of-network benefits they provide. We can provide this document directly to you. It details your services for a given period of time (one session, a month, or a whole year of sessions). It will contain your name and identifying information (which your insurance company already has), the dates of your sessions, how much you paid, and a diagnosis, which insurance companies require in order to process claims. If you request this document, it is your choice whether to disclose this information to a third party like insurance.

When we give you a superbill, you send it to your insurance company to request reimbursement for the investment you’ve made in your mental health care. Your insurance company will reimburse you directly. We are happy to provide superbills to you free of charge upon request. We do not deal with insurance companies directly.

How Do I know if I have Out-of-Network Benefits?

There are a few ways to find this out. (But please note that Medicaid, Medicare, and HMOs plans do not have OON benefits.)

You can call your insurance company and ask the following question:

“Can you tell me what my coverage is for out-of-network mental health providers?”

They will provide you with a percentage between 0-100%, which represents the percentage of the cost that they will cover/reimburse you for if you provide them with a superbill. Note that mental health benefits are listed separately from other healthcare services like a doctor’s office visit. You will be receiving outpatient psychotherapy (usually CPT code 90834 or 90837, but confirm with your provider).

You can use Mentaya, which is a third party service that helps you get reimbursement. You can sign up for free, and the service costs 5% of whatever your claim is ($6-7 per session). You do not have to submit a superbill or talk directly with your insurance company. Note: We do not work with Mentaya or endorse them, but some clients find it helpful! Once you sign up, you can put in your insurance information and see what your reimbursement would be for each session with a Purposeful Path therapist.

How much will each session cost?

A 15-20 minute consultation with one or more of our providers is complimentary so you can get to know us. Your first session, called an intake or diagnostic assessment, costs more at some practices, but we see that as a barrier to care for some, so your rates will be the same for all your sessions of the same type. Each therapist’s rates are listed on their bio page. Meet our team here!

FAQs

Therapy Terms Explained

Have you ever felt confused about the alphabet soup that mental health care seems to involve nowadays? Below is a list of terms mental healthcare providers often use in their bios, refer to in session, or discuss in the scheduling or billing process (with a little help from Psychology Today). Is there a term we missed? Let us know, and we will add it!