Insurance:

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To keep my practice focused on client care without limitations, I accept most insurances as an out-of-network provider. I'm happy to help you navigate your out-of-network benefits and make the process as simple as possible. Just reach out to learn more about your coverage or you can use this link check your coverage on your own: mentaya.co/b/amandaveras

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Individual Therapy:

If you have health insurance, I recommend contacting your provider to confirm whether or not you have out of network mental health coverage. If you do, I can provide you with a receipt of services, also known as a superbill, that you can submit to your insurance provider for reimbursement of all, or a portion, of what you pay out of pocket while in therapy. If you prefer support, I can let you know what your coverage will be for sessions. 

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Couples Counseling:

Couple session are strictly self pay and no out of network benefits can be used. There is no diagnostic code to cover couples counseling, meaning you cannot be reimbursed for paying out of pocket.

 

Additional Options:​

• Talk with your tax preparer and ask if therapy expenses can be deducted from your taxes as an out-of-pocket health expense

 

When contacting your insurance company to discuss out of network benefits, ask the following questions:

  1. Do I have out of network mental health benefits? If I do, is telehealth covered?

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  2. If yes, what percentage of the cost do you reimburse?

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  3. Do I have a deductible I need to pay before I get reimbursed? If yes, what is the deductible amount? Has my deductible been met? (a deductible is the amount of money you would need to pay first before your insurance coverage would kick in)

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  4. Does the insurance company establish an expected session fee on which they base their reimbursement rate?

 

  5. How many sessions per year are covered?

 

  6. Is a prior authorization from my Primary Physician required?

 

  7. How/Where can I submit a superbill?

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​What if I don’t want to deal with insurance paperwork for out-of-network reimbursement?

Submitting superbills to your insurance company can feel overwhelming to some people and you're not alone in that. To make the process easier, I’ve partnered with a platform called Mentaya that can check if you qualify for out-of-network reimbursement and it gives you an estimate of what your insurance might cover. Mentaya also offers the option to submit claims on your behalf for a small fee (5% of the reimbursement to handle any paperwork required, dealing with denials, and calling insurance companies if needed.), so you don’t have to worry about the paperwork. Many clients find this helpful for getting reimbursed more quickly and with less hassle.

 

Here's how it works:

1. Sign up for Mentaya: https://mentaya.co/inviteclient/amandaveras

 

2. Mentaya submits the claim and handles any insurance follow-up.

 

3. You get reimbursed up to 80 percent or more by insurance depending on your plan (that could mean you may only pay 40 dollars or less for sessions.)

However, if you prefer to submit claims yourself and not use Mentaya, I’m happy to provide you with a superbill (a detailed receipt for insurance) as often as you need.

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