"Between every two pines there is a doorway to the new world."
John Muir
ABOUT
Please contact me about your individual insurance plan to see if I am in network in your state.. Please note not all insurances cover online counseling.
I can also provide a superbill for out of network insurance. For other insurance inquiries please contact me for more information.
In order to use your insurance for online counseling you must verify that your plan covers telemental health first.
Pricing below reflects private pay without insurance.
Pricing
Individual, Family or Couple
60 minutes .................................... 200
90 minutes.................................... $300
Marathon Couples Sessions
2 hours .................................... $400
4 hours .................................... $800
Should I use my mental health benefits?
Why people choose to use insurance:
-
Less client cost responsibility
-
Co-payments will go towards your annual deductible
Why one might choose to use private pay:
-
Insurance requires a diagnosis that stays on your medical record
-
Difficulty finding a specialist in network
-
More confidential
-
No worries about insurance denials because of lack of necessity
-
In couples therapy insurance requires one person as the "identified patient"
How do I verify my benefits?
Call the number on the back of your insurance card. You will be calling about your mental health/behavioral health benefits. Here are some good questions to ask:
-
Can you tell me the call reference number and name of whom I'm speaking to?
-
Does my policy cover telehealth services for counseling?
-
How do you define telehealth services? (What's included, does it have to be live video?)
-
Is there a specific billing code that should be used?
-
Are there any specific restrictions around the service, such as coverage is limited to 12 times a year or is it contracted to another company like Teledoc or MDLive?
-
Does the service require any special documentation from the counselor?
Kari Rusnak Counseling will verify benefits as a courtesy but it is always the client's responsibility to know and verify their own benefits. The client is responsible for anything that insurance doesn't cover.