All mental health providers at the Center for Cognitive Therapy and Assessment (CCTA) are considered “Out of Network” for all insurance plans. However, many insurance plans will still cover a portion of our services. When contacting your insurance to check on coverage, it is important to ask about “out-of-network mental health benefits” for you or for your child. Patients may need to meet a higher deductible than for in-network services. Once they reach their out-of-network deductible, and depending on their plan, they will be reimbursed a certain percentage of each session fee directly from their insurance company. (Patients or legal guardians should clarify if that percentage is based on the therapist’s fee or on the insurance company’s customary fee, meaning what they determine to be a reasonable fee for therapy sessions.)
This amount varies from one insurance carrier to another and might cover only a certain number of sessions. The CCTA staff is usually not in contact with insurance companies but will provide you with a receipt that includes all the information needed to submit a claim to your insurance company. We will also file any reports your insurance company may need to authorize services. Payment for a session is expected at the time of service, regardless of the insurance reimbursement rate. If you have any questions about how to obtain reimbursement, we will be happy to discuss them with you.