Insurance Coverage

Does my insurance cover the cost of QLC services?

QLC is an out-of-network provider; so clients work with their insurance companies for reimbursement. If you are unsure whether your insurance will pay for an out-of-network provider, it’s worth finding out. Please call your insurance company directly and ask whether they offer reimbursement for behavioral health and at what percentage. Also, find out whether you have a deductible.

Because of ongoing issues with insurance companies, many mental health providers, like QLC, have decided not to go in-network with insurance. The issues include:

Insurance companies undervalue the cost of mental health services—often not even covering the providers’ costs.
Insurance companies often delay payments to providers for months. Tracking down delayed payments takes a great deal of therapists’ time and effort.

We know that psychotherapy requires a financial commitment on your part. In order to make our counseling services accessible to more people, QLC offers a sliding fee scale based on client need.

QLC will provide you with an invoice that you can submit to your insurance for reimbursement. Services may be covered in part by your health insurance or employee benefit plan. Many of our clients are able to file these invoices with insurance and receive a reimbursement that ranges from 30%-80% of the fee.

When you consult with your insurance, be sure to ask the following questions:

How much does my insurance plan reimburse for counseling services provided by an out-of-network licensed mental health provider? Let them know that the procedure codes (CPT codes) most commonly used are 90834 or 90847.
Do I have to reach a deductible first? If so, how much is my deductible?
How many counseling sessions per calendar year are covered by my plan?
Do I need a referral to counseling from a physician in order to get reimbursed?
How do I submit invoices for reimbursement?
What paperwork do I need to submit in order to be reimbursed?

A few more pieces of information about insurance:
Note that there are limits to confidentiality when dealing with insurance companies. A diagnosis and treatment dates is required by insurance companies in order for them to reimburse you for sessions. Because of this requirement, some clients choose not to submit for insurance reimbursement, in order to protect the confidentiality of their mental health information.

Generally speaking, coaching services and workshops are not reimbursable by insurance. Only psychotherapy and counseling services are reimbursable.

We hope this information has been helpful. If you have any questions, we are happy to help address them.

If you’re interested in scheduling an appointment or you’d like more information, please call us at 1-844-QLC-TALK (1-844-752-8255) or email us here