Many health insurance carriers often cover all or part of the psychotherapy session, however, each plan has a different benefit. It is best that you contact your carrier directly to inquire about your annual deductible, co-pays and or co-insurance, annual session or dollar limits and whether or not an authorization is required. As Dr. Winter no longer participates with insurance, other than Medicare, your therapy would be considered out- of-network. As a service to her clients, she will submit your visits electronically to your carrier on your behalf and you will receive reimbursement directly.
It is important to understand that utilizing insurance benefits invites a third party into your therapy sessions. Confidentiality is then forfeited and there are other people making decisions about your care. In order to submit claims to an insurance company on your behalf, she is expected to provide a mental health diagnosis and procedure code. This diagnosis is then placed in a database that may ultimately affect your future insurance premiums. At times they require more extensive information such as a history and/or treatment plan. Sex and couple’s therapy or other relational issues are not diagnosable issues and sometimes not a covered charge. Therapy works best when therapist and patient are in control of the decisions that dictate your treatment. Please feel free to discuss your concerns regarding fees and insurance prior to your initial appointment.
Forensic services, such as depositions, testimony and parenting coordination, are not reimbursable by your carrier. Please check with them to see what services are covered and which ones are excluded.