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"Happiness starts with a healthy mind, body and spirit."

Copyright © 2019, Dr. Vernita Marsh & Associates.  All rights reserved.

Home  >>  Questions  >>  About Insurance

About Insurance

Do you accept insurance payments?

 

Dr. Vernita Marsh & Associates is a fee-for-service practice.  Payment in the form of cash, checks and credit cards is expected and accepted at each session.  We do not accept or bill insurance companies for payment of psychotherapy services. 

 

We are however an out-of-network insurance provider. Clients of Dr. Vernita Marsh & Associates may be able to apply for reimbursement from their insurance company. To determine if you have out-of-network mental health coverage you need to check with your insurance provider. Ask the following questions:

  • Do I have out-of-network mental health/behavioral health benefits?

  • Is my coverage for individual therapy and/or family therapy?

  • How much does my insurance reimburse for an out-of-network provider?

 

Upon request, our staff can assist in this process by preparing a statement of our client’s services.  These statements may then be submitted by clients for reimbursement directly from their insurance company, for services received from and paid for at Dr. Vernita Marsh & Associates.

A few words about using insurance:

 

If you have insurance for psychotherapy available to you, whether or not to use it can be a difficult decision to make.  It’s good to understand the consequences of your choice so you can make an informed decision.

 

Having a choice is an important factor when it comes to finding someone you trust with your personal concerns.  You may prefer seeing someone who was personally recommended to you; but, when you use your insurance plan, your options are usually limited.  Unless you have out-of-network provider coverage, you must see only therapists within your insurance provider's network for you sessions to be covered by your plan.

 

In order to qualify for benefits, insurers require you to be officially diagnosed with a mental illness. Understandably, many people don’t want to be labeled with a mental health disorder.  One reason is that a documented history (for example of depression) can have a future adverse impact on your ability to qualify for and purchase things like life insurance.

 

When you see a therapist through a managed care plan, your treatment is overseen by the insurance company.  Your insurance then decides how many, if any, sessions to authorize.  When you self-pay for therapy, you can get help for whatever issues you wish.  For example, conflict in your family, marriage problems, personal issues such as loneliness, and dealing with grief and loss may not be covered by insurance, even though people in all of these situations can greatly benefit from therapy or counseling.

 

Lastly, you may want to consider the impact insurance reporting has on the confidentiality of your sessions.  Therapists who bill insurance must provide a mental health diagnosis to the insurance company to show that your treatment is medically necessary.  This can include intimate details about your situation, as well as your diagnosis.  In contrast, when using private pay therapy, these intimate details remain confidential between you and your therapist.