Insurance

Health insurance is one method of payment available for services at Healing Village. This page will outline potential benefits and drawbacks to using insurance, as well as what insurance is accepted by Healing Village. This is so clients and potential clients can make an informed decision about whether or not to use health insurance benefits. The following apply whether an individual uses in-network or submits for out-of-network reimbursement. 

This information is neither meant to encourage or discourage clients from using health insurance benefits. Clients with health insurance may choose to opt-out of using benefits. This opt-out would apply to in-network and out-of-network claims.

Benefits

• The use of health insurance increases accessibility to therapy by (typically) making sessions more affordable.

Drawbacks

• Insurance companies require a reimbursable diagnosis and for your therapist to establish medical necessity.

• Insurance companies require a formal treatment plan, with specific, measurable, attainable, relevant, and time-bound goals.

• Insurance companies determine their own reimbursement rates, which typically are 60% of the therapist's out-of-pocket fees. 

  • This means the therapist must see more clients each week, thereby jeopardizing their work-life balance and time for self-care.

• Insurance companies may audit your therapist's file on you without additional consent. 

  • This means your therapy notes may be seen by a non-therapist and your therapist cannot protect the information once it's out of their hands.

• Insurance companies only reimburse for what they call "evidence-based practices", such as CBT, DBT, Exposure Therapy, and Motivational Interviewing.

  • This means insurance companies may dictate how your therapist "does" therapy, or they may refuse to pay.

  • There are no reimbursement codes for sex therapy, hypnotherapy, relational therapy, or any specialty area of counseling.

• Insurance companies can deny claims, delay payment, or retroactively deny claims (even years later), and require money to be paid back. These decisions are rarely made by healthcare professionals, let alone therapists.

  • In the event an insurance company denies a claim or substantially delays payment, the client is ultimately responsible for the cost.

• Because of the time and effort accurate claims processing and follow-up requires, the therapist has contracted a billing specialist, with no financial support from insurance companies to support this contracted position, adding to the overhead costs of Healing Village.

In-Network Companies & Using Benefits

Healing Village is in-network with the following insurance companies

• Aetna

• Cigna (Evernorth)

• Florida Blue (BCBS)

• United (Optum)

If a client wishes to use health insurance to pay for their services at Healing Village, it is the client's responsibility to verify coverage, deductible, and copay.