Associates for
   Applied  Psychology
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Insurance matters

In order for us to set realistic treatment goals and priorities, it is important to evaluate what resources are available to pay for treatment. If you have a health insurance policy, it will usually provide some coverage for mental health treatment. We will assist you to receive the benefits to which you are entitled; however, you (not your insurance company) are responsible for full payment of our fees. It is very important that you find out exactly what mental health services your policy covers. If you have questions about coverage, call your plan administrator. Of course, we will provide whatever information we can based on our experience and will be happy to help you understand the information you receive.

With the rising costs of health care, insurance benefits have become complicated. It is often hard to determine exactly how much mental health coverage is available. “Managed Health Care” plans such as HMOs and PPOs often require authorization before they provide reimbursement for mental health services. These plans are often limited to short-term treatment approaches designed to work out specific problems that interfere with a person’s usual level of functioning. It may be necessary to seek approval for more therapy after a certain number of sessions. While much can be accomplished in short-term therapy, some patients need more services after insurance benefits end.

Please be aware that the contract with your health insurance company requires that we disclose information relevant to the services that we provide. We are required to provide a clinical diagnosis. Sometimes we are required to disclose additional clinical information such as treatment plans or summaries, or copies of your entire Clinical Record. We will make every effort to release only the minimum information about you that is necessary for the purpose requested. This information will become part of the insurance company files and will probably be stored in a computer. Though all insurance companies claim to keep such information confidential, we have no control over what they do with it once it is in their hands. In some cases, they may share the information with a national medical information databank. We will provide you with a copy of any report we submit, if you request it.

Once we have information about your insurance coverage, we will discuss what you can expect to accomplish with the benefits that are available and what will happen if they run out before you feel ready to end your sessions. It is important to remember that you have the right to pay for our services yourself to avoid the problems described above.

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