Insurance Statement

I do not accept or bill insurance at this time. I only accept private-pay, which is payment by debit, credit, or HSA/FSA card. However, I can provide Superbills for reimbursement with insurance companies when appropriate, but this does not guarantee reimbursement from your insurance provider.

Radiant Life Therapeutics is a private practice that is considered an out-of-network provider. After paying for sessions you may seek potential reimbursement from your insurance. Depending on your plan you may receive full, partial, or no reimbursement.

It is recommended you contact your insurance about your plan by asking about your out of network benefits.

The WHY behind not taking insurance.

1. A lack of confidentiality. Insurance companies require clinicians to disclose diagnoses, symptoms, behaviors, treatment plans, and what occurred or was said during the session. I must provide private health information to an insurance company to justify and defend a client’s treatment. 

2. Insurance requires a mental health diagnosis for coverage. Diagnoses can be limiting to the counselor and client. A diagnosis is a way to conceptualize a problem a client is experiencing, it is not their identity. Every individual experiencing a mental health disorder or transient symptoms is different, therefore the treatment (and the time is takes for that treatment) needs to be flexible and appropriate for that individual. Further, what a client is seeking counseling for may not be a mental health disorder. I believe clients are the experts in their own lives and need tools and guidance to help identify what they need to overcome the problems they experience. 

3. There is a limitation on what is covered. Insurance companies limit the amount paid for treatment and the number of sessions a client can attend. Insurance companies can pay-out an amount that isn’t sustainable for a counselor to run a practice full time, given the expenses that go into a private practice such as continuing education, training, licensing and certification fees, supervision, office rent, utilities, liability insurance, marketing, and more. This also includes time spent that does not get paid for, such as working with insurance. Insurance companies can also double-back and claim that a client’s treatment was not medically necessary, recouping payments that was already paid out to the counselor. Through collaboration between client and counselor, I focus on meeting client goals, which can take any number of sessions. I also want to be able to give back by providing a reduced rate to a limited number of clients.

4. It’s a time suck. There is a reason why working with insurance is a job position in a doctor’s office. Working with insurance companies demands an incredible amount of time and patience to credential and contract, verify insurance policies, submit claims, pursue reimbursements or pay-outs, submit re-authorizations for treatment, and more. I would rather invest that time in my clients and seek valuable education to give more to my clients. It is also time I can be engaging in self care so I am at my best.