Clients can file out-of-network claims through their insurance providers. Most policies reimburse a portion of the fee for out-of-network mental health services. The total cost after reimbursement typically matches your standard co-payment. I’ll provide you with all the necessary documentation to submit for reimbursement.

To find out what your insurance policy covers, call the telephone number on your insurance card listed for “Behavioral Health” and ask the following questions:

• What is my individual/family deductible for out-of-network providers?

• What percentage of the psychotherapy cost is covered for out-of-network providers?

• Is there a cap on reimbursement for services?

• Is a pre-authorization required?

• Do you cover procedural/billing codes 90837, 90834 and 90791

• What is the maximum allowed amount for procedural codes 90834 and/or 90837?

Reimbursements and out-of-pocket costs vary by plan, but often cover up to 60%-80% of the cost.

For more information on fees and coverage, please contact Francesca at (551) 287-6280 or fwehr@francescawehrlcsw.com

Session fees are reimbursable

Most insurance plans include out-of-network benefits which can cover up to 100% of the cost of treatment after your deductible is met (most policies offer 60%-80% reimbursement rates). After reimbursement, most clients find that the costs match what their co-pay amount would be with in-network providers.

Call your insurance company to find out what your out-of-network coverage is before assuming you have to limit yourself with in-network therapists.

More availability and flexibility in scheduling

Therapists who take insurance see a lot of clients, sometimes 40 per week. For this reason, people seeking therapists within their insurance often face difficulty getting in touch with them and when they do, there is typically a waiting list to be seen. With Francesca, you can expect to meet for your first appointment within 1 week of reaching out.

Get treatment from a highly trained and specialized clinician

Francesca Wehr focuses on quality over quantity. Due to a smaller caseload, Francesca is able to invest time in continuing her training and enrolling in courses that allow for additional certifications in evidence based treatment modalities and clinical specializations. This continued education allows for informed practice and specialty services. As the client, you benefit directly by receiving treatment from a highly trained and specialized professional, rather than basic treatment from a generalist.

You pick your therapist, not your insurance company

The rapport and relationship you have with your therapist matters and when you need to stick within a list of network providers, finding the right therapist and right treatment can be a challenge. Research has shown you make a lot more progress in therapy when you have a good therapeutic relationship with your therapist. Going out-of-network allows you to have more options to find the right fitting therapist, instead of settling for someone who accepts your insurance but you don’t feel comfortable with.

You choose your length of treatment

Insurance companies seek to pay the least they have to in order to be a functioning business model. Because of this, most plans only allow clients to go through pre-determined or short-term treatment programs that have a specific cut-off, rather than allowing the client to choose the best fitting therapist or treatment method.

Francesca offers short-term or open-ended treatment options that allow you to independently make decisions regarding your own mental healthcare. This autonomy in your healthcare means that you can begin therapy on your own schedule and transition when you feel ready. It also means that if support is ever needed again in the future, Francesca’s door is always open.

Based on your budget and the amount of reimbursement your insurance policy provides, we can work together to set a payment schedule that fits your needs.

Accepted payment methods: credit, debit, or HSA cards

I provide in-network services for Medicare Part B participants. For all other health insurance plans, I am an out-of-network provider.