FAQ's

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Do you accept insurance?  As Out of Network (OON) providers, we are not In-Network with any insurance companies, so we don't take insurance. However, we will help you get reimbursed if your plan allows it.   

What does "Out Of Network" or "OON" mean?  "Out-Of-Network" means your therapist doesn't accept your insurance plan. OON doesn't necessarily mean you are 100% out of pocket for therapy services. At ABCT, we provide superbills to clients seeking reimbursement from their insurance provider.   

Can I get reimbursed for therapy services with ABC Therapies, LLC?   Maybe! That depends on your plan. You will receive an auto-generated superbill (an itemized receipt of services provided during the month). After submitting a superbill to your insurance provider, they may reimburse some of your bills. They may also count our fee towards your out-of-network deductible. Every insurance company has a different process.   

What is a Superbill? 

A superbill is a detailed document that allows clients to bill their insurance company directly. It includes information similar to an insurance claim form, such as the date of the service provided, procedure codes, and the total balance due.

Why don't you take insurance?  

1. In the United States, Health Insurance was not designed to support mental health services the way it supports medical services.  

2. Many insurance companies do not fairly reimburse therapists. They haven't adjusted the fees they pay your therapist in decades.  

3. Insurance providers often limit the therapist's ability to help their clients by limiting sessions to specific diagnoses, capping the number of sessions, and requiring an exact session length.  

4. Insurance companies access your private and "protected" health information. 

We understand why you'd want to use your insurance, but we prioritize privacy protection and know that your insurance provider could keep you and your child from getting the help you truly need and deserve.   

How can I determine if my insurance company will reimburse me for ABCT therapy services?  

Call the number on your insurance card for the "Benefits Department" and write down every answer you receive. If the company fails to follow through with what they've told you, you'll need careful records later. Ask for explanations of anything you don't fully understand. Request to speak with a supervisor if needed.  

• Download my checklist of questions to ask your insurance company here.
• Review services and fees here.   

*Note: Some insurance providers reimburse a percentage of the total fee. For example, your provider may refund 80% of the total cost of therapy sessions. Other providers substitute the session fee for what they deem appropriate, regardless of what you paid. For instance, your company may say they'll reimburse you 80% of the "Allowed Amount."  You need to know what that number is. Let's say you pay $200 for a therapy session with a licensed clinician, expecting $160 in reimbursement, but your insurance provider only allows $60 for anyone and reimburses you 80% of $60, or $48. Further, they may attempt to withhold this information from you and are legally allowed to do so. Ask to speak to a supervisor if that happens and tell them you cannot plan your medical expense budget without this number. 

Other considerations:

• Insurance reimbursements may vary from month to month. 
• At the start of therapy, there will be a wait for insurance to begin paying out your benefits. 
• Come January, you won't get any money back from them until your deductible is met. If you apply other family medical expenses to your out-of-network deductible, you'll start getting benefits sooner, and insurance will cover more of your therapy-related costs. 
• Toward the end of the year, your insurance reimbursements will stop if the number of sessions is limited.   
• You can minimize out-of-pocket medical expenses if your employer offers a pre-tax medical "flexible spending account" or "health savings account."   
• Ask your accountant about taking a medical tax deduction for psychotherapy.   
• You may save money with an insurance plan with a higher premium but better benefits for out-of-network therapy (Preferred Provider Organization, or PPO).   
• Virtual sessions: ABCT provides virtual sessions using a HIPAA-compliant video system (HIPAA-compliant means that your privacy is secure per insurance requirements). Some insurance companies won't reimburse for any session that doesn't occur in person. So, it's essential to ask your insurance provider: "Do you cover CPT code 90834-95 (45-minute sessions over a virtual platform)?"