Currently, Dr. Heller Does not accept any third-party payments from insurance companies.
Although she is not an "in-network" participating provider with your specific insurance company, many insurance provider plans include “out-of-network” coverage. These plans can help reduce the cost of therapy by covering part of the payment, which is usually 50% - 80% of your therapy fee.
Dr. Heller will provide you with a monthly therapy statement of the fees that you paid, and submit the information directly to your insurance company. In the event there is a deductible for out-of-network benefits, you are responsible for the full amount of the deductible.
Although many patients have, and use, their mental health insurance benefits, others prefer to pay privately “out-of-pocket.” There are various reasons to consider this:
You should know that insurance companies require detailed information about their members’ treatment, and often direct treatment (i.e. type of therapy, length of therapy, etc.) This also includes providing a psychiatric diagnosis and other sensitive information that becomes part of your mental health record. These records may impact your ability to obtain other medical insurance down the road, as your new carrier can consider you as having a pre-existing condition. As a private pay client, you assured that your treatment records are shared only with your prior written consent.
Most insurance plans only cover a limited number of sessions per year. Thus, any sessions scheduled beyond the annual maximum become an out-of-pocket expense. Prior to the start of treatment, you should check with your insurance carrier to see if you have an annual session maximum before deciding to use your insurance.
Freedom of Choice
As a private-pay patient, you have the freedom and flexibility to choose any psychologist you want, based on personal preference rather than having to select one from a panel provider.