Insurance

Accepted Insurance (In-Network)

• Aetna, UHC

Understanding Insurance, Co-Pays, and Therapy Costs

• If you plan to use insurance, it’s important to understand your coverage, including co-pays, deductibles, and out-of-pocket costs.
• Healing Juniper Counseling uses a billing service that can assist you in utilizing your insurance benefits, making the process easy and convenient.
• A co-pay is a fixed fee per session, while co-insurance is a percentage of the cost. If you have a deductible, you may need to pay out-of-pocket until it’s met.
• Verifying these details helps you avoid unexpected expenses and focus on your well-being.

Key Questions to Ask Your Insurance Provider:

• Is therapy covered under my plan?
• What is my co-pay or co-insurance per session?
• Do I have a deductible, and how much has been met?
• Are there session limits or pre-authorization requirements?

Out of Network

• If you want to use your insurance, but your insurance is out of network with Healing Juniper Counseling, then:

1. Check Your Insurance Benefits

• Call your insurance provider and ask:
  • Do I have out-of-network mental health benefits?
  • What percentage of the session fee is reimbursed?
  • Is there a deductible I need to meet first?
  • How do I submit a claim for reimbursement?

2. Pay for Your Sessions

• Clients pay the private pay rate directly at the time of service.
• This allows for greater flexibility, privacy, and personalized care without insurance restrictions.

3. Receive a Superbill

• After your session, we will provide you with a superbill, a detailed invoice that includes the necessary information for insurance reimbursement.

4. Submit Your Superbill to Insurance

• Follow your insurance company’s submission process (online portal, mail, or fax).
• Keep a copy for your records.

5. Receive Reimbursement (if applicable)

• If your insurance covers out-of-network services, they will send you reimbursement based on your plan’s benefits.

Important Note: Insurance reimbursement is not guaranteed and varies by plan. We encourage you to verify your benefits before beginning services.

Risks

While using insurance for therapy may seem like a convenient option, it comes with several potential drawbacks that can impact your care and privacy.

1. Limited Control Over Your Treatment – Insurance companies often dictate the type, length, and frequency of therapy sessions, which may not align with your unique needs. Therapists may be required to justify continued treatment, leading to potential disruptions in care.
2. Diagnosis Requirement – To receive coverage, most insurance plans require a formal mental health diagnosis. This diagnosis becomes part of your permanent medical record, which could have implications for future employment, life insurance, or other personal matters.
3. Privacy Concerns – Insurance companies have access to your mental health records, and some information may be shared with third parties. If maintaining confidentiality is important to you, private pay offers a greater level of discretion.
4. Billing and Reimbursement Challenges – Even with insurance, clients often face unexpected costs, denied claims, or delays in reimbursement. Private pay ensures transparency and predictability in financial matters.. If maintaining confidentiality is important to you, private pay offers a greater level of discretion.