• Aetna (in-network)

• Lyra Health (in-network)

• Modern Health (in-network)

• Other insurance companies (out-of-network)

• Cigna/Evernorth Notice: We will no longer be in-network with Cigna/Evernorth as of 5/12/2022. Effective immediately, new clients who wish to use Cigna/Evernorth insurance plans will not be accepted. New clients may choose to seek/use our services, but they will be considered self-pay clients and will need to complete an insurance opt-out form.

​​

Out of Network Coverage

Stone Counseling & Consulting Services, LLC may be considered a provider for your out-of-network coverage for mental health counseling/psychotherapy services. This means that you will pay for your counseling and request a reimbursement from your insurance company. For your reimbursement request, a "Super Bill" will be provided to the client upon request. A Super Bill is a special receipt which includes all of the information insurance companies require in order to consider your request for reimbursement of out-of-pocket fees or your request that your paid out-of-pocket fees be counted toward your deductible. It is important to know that reimbursement is not guaranteed as not all insurance companies will reimburse you, and they may not reimburse you for the full cost of the service(s) provided.

​

Questions To Ask Your Insurance Provider Prior To Beginning Counseling

Before beginning counseling with an out-of-network provider, you may want to explore the possibility of reimbursement for out-of-network (OON) services. You may do this by carefully reviewing your insurance policy and/or calling your insurance provider and asking the following questions:

• Do I have OON mental health or behavioral health benefits?

• What is my OON deductible amount and has it been met?

• Is pre-approval required before I seek mental health care, and what are the pre-approval requirements?

• Is there a limit on how many OON mental health sessions my insurance plan covers per year; if so, how many?

• How much does my plan cover for an OON mental health provider per therapy session?

• What steps are required for me to possibly receive reimbursement for therapy with an OON provider?
  ​

Benefits of Forgoing Insurance and Paying Privately

• Choosing a therapist that's right for you - Participating insurance panel therapists apply to participate on that insurance panel, and are accepted per the insurance company's availability to add new providers to their panel. Insurance companies typically include therapists based on location, price, or therapeutic approach. This may mean that access to customized, quality mental health care is limited and you may find your therapist is not a good fit for you.

• Control over your therapy - Many insurance companies set limits on the type of treatment, appointment frequency, or amount of sessions you may have. Insurance companies may demand a review of your mental health records, which means they can review and/or question the treatment you are receiving and/or whether or not they will decide to continue or discontinue coverage for your sessions. Insurance companies may also require that you take medication before they will approve counseling sessions for you.

• Confidentiality - Insurance companies require, at minimum, client name, dates of service, and mental health diagnosis in order to pay (or reimburse you) for your therapy sessions. While your counseling is confidential, you must sign a form that allows the counselor to communicate this confidential information to your insurance company. In the event that your insurance company requires pre-authorization for treatment and/or reviews your file, additional information, such as therapy session notes, must be provided to the insurance company. It is important to note that this information becomes part of your record and could be used by insurance companies to determine future insurance rates or eligibility, eligibility in the armed forces, driving record, etc. This is particularly important when considering counseling for your child(ren).