It’s normal and natural to have lots of questions before you begin the process to make sure your investment will be worthwhile. On this page, you’ll find some of the most common questions clients have before starting therapy. If you don’t see your question answered here, please email jamie@hemispherescounselino.com or text/call 31 .461.1051 so we can make sure you get the answers you need.

I choose to work with individuals (you), not for insurance companies. Because of this, I am not paneled with any insurance carriers. However, many insurance companies reimburse for ‘out-of-network providers’ (typically PPO insurance plans). If you're unsure if you have out-of-network benefits, call your insurance company and ask: 1. whether or not they offer reimbursement for behavioral health, 2. at what percentage, and 3. whether you need to hit a deductible first. It's worth asking the questions and advocating to get the best therapist fit for you! Please be sure to inform them that services will take place via Telehealth.

I do not accept health insurance and am strictly an out-of-network provider. I am happy to provide you with proof of service (Superbill) for you to submit to your insurance company following our sessions.

Other Payment Options

Questions To Ask Your Insurance Provider

If private pay does not seem feasible, please consider the following options:

Contact your insurance provider and ask about your out-of-network benefits. Your insurance may cover all or a portion of your sessions.

Use your Health Savings Account (HSA) or Flexible Spending Account (FSA). Put your pre-taxed dollars to good use by investing in your mental health.

Check to see if you or your spouse’s employer has an Employee Assistance Program (EAP). EAP is a benefit that allows the employer to pay for a set number of sessions to each employee.

Call your tax professional to see if you can claim therapy as an out-of-pocket health expense

Accepted Forms of Payment

I accept all major credit cards (Visa, MasterCard, American Express and Discover), as well as HSA (Health Savings Account) and FSA (Flexible Savings Account) cards. You will enter this information in your secure document before our first session and will be billed automatically at the completion of each session. Payment is due at the time of service.

Below is a list of questions you can ask your insurance company to find out more information on your benefits:

What is my deductible and has it been met? Is there a separate deductible for mental health?

What are my out-of-network benefits for mental health?

Is there a limited amount of covered sessions per year?

What is the allowable amount or percentage of reimbursement per session? This will tell you what your insurance will cover and what your potential out of pocket cost (co-pay) will be.

What is needed for reimbursement? Do I need a referral?

How much does my insurance plan reimburse for an out-of-network provider for CPT codes 90791, 90837 and 90847