If you wish to access psychotherapy and counselling services via your health insurance policy, it is important first to contact your provider and obtain authorisation. Due to the terms, conditions and compliance procedures the health insurance providers have in place in order to access therapy, it is important to note that fees for claiming services through health insurances are greater than the ‘individual session fees’ published on the My Time to Heal website. Please contact me for further information on what the fees are to access therapeutic services via your insurance policy.

Some insurance policies may cover the full fee up to an agreed amount of sessions, whereas other insurers may cover part of the fee with the difference being paid directly by you, the client. If your insurance covers the full amount, you may only be liable to pay the excess. 

The cover levels and the insurance procedures vary according to the policy you have with your insurer and also between each insurance company and so it is very important that you speak with your individual provider to clarify what their fee cover is for psychotherapy and counselling, what percentage of the chargeable 'insurance rate' fees they are prepared to cover (this is the rate charged via insurance policies and not the 'individual rate' should you be attending without insurance), and how many sessions will be covered by your policy. It is your responsibility as the client to be clear about the terms of your policy and what your insurance company is prepared to cover. 

If you wish to attend counselling and psychotherapy sessions, you may be asked by your insurer for my ‘provider number’. Should you require this number to obtain authorisation, please contact me with the name of your insurer and your member number and I will send you the information you need. 

There are insurers that do not have a preferred provider list and are happy for you to select your own therapist and retrospectively approve them based on their qualifications and professional body memberships. I am happy to accept any insurer so long as you are able to provide all the required information listed below. 

Before attending psychotherapy and counselling sessions at My Time to Heal via your insurance provider, the following information must be provided:

  1. Full name, Address (including full postal code), Telephone Number and Date of Birth
  2. Your Email address (please ensure that my email is added to your safe sender list to avoid emails reaching your junk mail box)
  3. Insurers Name and Full Address
  4. Your Insurance Membership Number
  5. Your Pre-Authorisation Code
  6. Date of your authorised referral
  7. Impairment / Clinical Code(s) from the Insurer – this applies to the type of therapy your insurance has authorised you to have (e.g. Psychotherapy; Counselling; CBT; EMDR; SFT)
  8. The personal excess amount you are liable to pay towards your treatment (confirmed in writing by your insurer)
  9. Name of person you were referred by (if applicable)
  10. Email from insurer confirming authorisation
  11. What the excess is on your policy you are liable to pay (insurances will not pay your excess – this is your responsibility and must be paid prior to your first initial consultation via bank transfer – a receipt will be provided)
  12. What, if any, other limitations are there on your policy?
  13. Is there a renewal date for your policy each year and if so, will there be new funding allowance for your counselling / psychotherapy in the overlapping year? 
  14. Will the insurance be covering the full fees or will the fees be partly covered by them with you being responsible for the difference?
  15. How many sessions have initially been authorised?
  16. The completed My Time to Heal Assessment Form and Signed Contract to be returned prior to Initial Consultation

Where a policy excess applies, you are responsible to pay this directly and this must be done via BACS (direct bank transfer) 48 hours prior to you attending the initial consultation appointment whether it be an online or in-clinic. Failure to do so will result in your session being cancelled. The excess will go towards the cost of your fees and the outstanding amount should be paid by your insurance provider. 

Invoices will be sent at the end of each month directly to your insurance company’s payment department unless a different arrangement has been agreed. It is advisable that you clarify all the aforementioned with them to ensure you are clear about what cover is available to you and how their process works. Failure by your insurance to pay their invoices on time or decline to pay for any reason, will result in sessions being cancelled and you will be liable to pay the invoices in full. 

Late cancellations or failure to attend without the required 48 hours notice, will still be liable for a fee and deducted from your allocated sessions. 

If you wish to continue with your therapy after your authorised sessions have finished, fees will revert to the ‘individual fees’ listed on the website and payment thereof will be your responsibility. In this instance, we will re-contract and continue sessions with fees being paid prior to each session via the bank transfer (preferred method), credit / debit card or cash.

It is important to note that some insurance providers who cover evidence-based therapy as outlined by the NICE guidelines (for example: CBT for stress, anxiety& depression) may request a report from the therapist after a certain amount of sessions. This may be to enable them to make a decision on authorising further sessions, agree the right treatment moving forward or to validate the claims. All information is strictly medically confidential, and they usually do not require intrusive amounts of detail.  

It is important that you clarify this point with your insurance to ensure you are happy for them to request the reports and be clear about what information they will be requesting and why. By attending therapy via a health insurance, I will be bound to provide the factual information they require which may include such things as: Working diagnosis; Case conceptualisation; Risk management plan; Treatment Interventions; Clinical outcome measures and any relevant case information such as possible recommendations for further intervention or additional support.

*Fees subject to annual review

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