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Q: What’s the difference between in-network and out-of-network therapy?

​In-Network means your therapist has a contract with your insurance provider. Sessions are billed directly to your plan, often at a lower out-of-pocket cost to you.

• Out-of-Network means your therapist does not have a contract with your insurer. However, you should be eligable for reimbursement depending on your plan.

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Q: Do I need to work with a licensed therapist for insurance to cover sessions?​

Yes. Whether in-network or out-of-network, your therapist must be fully licensed in the state of Virginia to bill insurance. Look for credentials such as:

• LPC – Licensed Professional Counselor

• LCSW – Licensed Clinical Social Worker

• LMFT – Licensed Marriage and Family Therapist

• PhD/PsyD – Licensed Clinical Psychologist

• MD – Psychiatrist

• PMHNP – Psychiatric Mental Health Nurse Practitioner​

If your past sessions weren’t covered, your provider may have been unlicensed or working under supervision (e.g., a Resident in Counseling).

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Q: What about specialized treatments like EMDR or trauma therapy?​

When seeking specialized services, it’s important to make sure your provider holds recognized certifications for those treatments (e.g., EMDRIA certification for EMDR). Working with an appropriately credentialed provider improves both the quality of care and the likelihood of insurance reimbursement.

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Q: What can you help with in terms of billing and claims?

I’m happy to support you in the following ways:​

• In-Network Clients: I will submit claims on your behalf for insurance plans I’m contracted with.

• Out-of-Network Clients: I can provide a monthly "superbill", which you can submit to your insurance company for reimbursement based on your out-of-network benefits.​

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Q: How do I check what’s covered under my plan?

Call the member services number on the back of your insurance card and ask:​

• Is "outpatient" mental health therapy covered?

• Do I have "out-of-network"benefits?

• What is my deductible and co-insurance for "in-network" vs. "out-of-network" providers?

• Are "telehealth" sessions covered?