Funding Therapy

Talking to Insurance Companies about Coverage for Therapy

Many individuals have difficulty identifying what their health insurance covers regarding mental health/behavioral health treatment.  Here is an idea of what that conversation would look like, as well as some important questions to ask when contacting your insurance:

“I am looking for a mental health provider that provides _________ (individual, group, family, or marriage therapy). I would like to know what my insurance coverage is for mental health services.  The information I need to find out is what my deductible is; what my copayments are; do I need prior approval; if there is a limit on session numbers; and what providers are in network with my insurance plan. I am looking for a _________ (type of therapist) for _________ (simple description of issue/help needed).”

Ideas for Discussion Points:

  • “I would like to attend therapy _________.”
    • By myself
    • With my partner
    • With my family
    • With my child
    • In a group setting
    • Other:
  • “I would like to work with someone who is trained in _________.”
    • Depression
    • Post-traumatic stress disorder (PTSD)
    • Anxiety
    • Eating disorders
    • Substance abuse
    • Family issues
    • ADHD
    • EMDR therapy
    • Other:

Oftentimes insurance companies know which providers or agencies work with certain issues or treatment modalities, so they will be able to match you with the best provider possible.

  • “I am looking for a ______ to be my mental health clinician.”
    • Licensed Clinical Social Worker
    • Marriage and Family Therapist
    • Clinical Mental Health Counselor
    • Psychologist
    • Psychiatrist
    • Licensed Professional Counselor
    • Licensed Clinical Alcohol and Drug Abuse Counselor
    • Other:
  • “How much is my deductible?”
  • “How much is my copayment?”
  • “Is there a limit on the number of sessions I can attend?”
  • “What provider is in network my insurance plan?”
    • In network: Covered by insurance plan, generally the cheapest option
  • “Does my plan cover out-of-network providers?”
    • Out of network: Not covered by insurance plan, generally the more expensive option
  • “Do I need prior approval?”

 

Cash Discounts and Payment Plans

If you are paying out-of-pocket (no insurance coverage) for therapy, Utah Healing Center offers a discount of $40 for intake sessions and a discount of $20 for regular sessions.

Utah Healing Center is happy to offer payment plans that fit your schedule. Please call or talk to the office manager for more information.

Utah Healing Center offers a one-time $20 discount for clients who write a review on Google, Facebook, Health Grades, Yelp, etc. To do this, look up Utah Healing Center on Google, Facebook, Health Grades, or Yelp and rate the Center and write a review, and show the office administrator your post.