Insurance and Fees

Let's demystify insurance

For those that want to use health insurance, most insurances have "behavioral health benefits" or "mental health benefits" that you can ask about. You can often log in to your provider online or give them a shout at the 800 number listed on the back of your insurance card. Sometimes your benefits used in therapy are wrapped up with your medical benefits, but other times they are separate. LynLake has wonderful professional staff who run benefits checks to support you in accessing your health insurance to pay for mental health support and provide a “Good Faith Estimate” to support you in accessing transparent information about cost and services.

Most people have a deductible. Deductibles vary in amount. The deductible is a monetary number that you have to reach before you have 100% coverage, partial coverage (called co-insurance) or just a copay to make on your visits. Sometimes this deductible is separate for therapy, but many times the deductible is reached by any medical professional visits that you are making (primary doctor, specialists, etc.). Co-insurance and co-pays are often listed on your insurance card.

Providers can be In Network or operate Out of Network for you. I am In Network with Blue Cross Blue Shield, BluePlus, UCare, Medical Assistance, Health Partners, PreferredOne, Medica, and United Behavioral Health. Individuals have both In Network benefits and Out of Network benefits. This might mean that you have a separate deductible and coverage amount for each.

Using health insurance to pay for therapy has many benefits! I am in network with all major companies and most people will meet their deductible with ongoing mental health support. Some people have concerns about using health insurance for safety reasons, either because of concerns for privacy, lack of safety if family learns about this type of care or particular diagnoses, or concerns about workplace discrimination. These are important considerations that we discuss in our initial consultation phone call.

Fees

In addition to taking insurance, I also take private pay clients. Assessments (first appointments) are $225 and all subsequent appointments are $185.