INSURANCE:

Mrc is out of network, but we can provide you with a form showing all your sessions called a Superbill that you can directly file with your insurance for out-of-network reimbursements. 

Note that we need to officially diagnose you to use insurance, even with a Superbill. 

 

WHY IS MRC OUT OF NETWORK?

Like many private therapy practices, MRC chooses not to contract directly with insurance companies. Many clients also choose not to use insurance benefits for therapy services or what they come to see us for is not covered by insurance. 

Below are several important factors to consider:

PRIVACY AND CONFIDENTIALITY CONCERNS:

Insurance companies require therapists to submit detailed clinical information before approving or continuing coverage. 

This information may include:

·        
Mental health diagnoses

·        
Treatment plans

·        
Session summaries or notes

·        
Personal or family history

·        
Substance use history

Insurance companies may add this information to your permanent health record.

 

A DIAGNOSIS IS REQUIRED:

Many people seek therapy for personal growth, stress management, relationship concerns, life transitions, or support during difficult periods.
These concerns do not always involve a mental health diagnosis or might not be covered by insurance.

Most insurance companies require a diagnosable mental health condition before they will cover therapy services.

LIMITED FLEXIBILITY IN TREATMENT:

Insurance companies often restrict the number of sessions, type of treatment, or length of care they consider medically necessary. By remaining out of network, our clinicians can tailor treatment to your individual needs instead of following insurance company requirements. This flexibility  allows us to provide care that reflects your specific goals, circumstances, and needs.

 

LONG TERM CONSIDERATIONS:

Some clients prefer not to share mental health information with insurance providers because they worry about future privacy implications. Although laws protect health information, some individuals choose to limit what insurance records include. Mental health records may affect future applications for certain types of insurance, including health or life insurance, and may influence eligibility for some careers.
Families may want to consider these factors carefully when seeking services for children, teens, or young adults.

We understand that navigating insurance can feel overwhelming, and we are happy to help answer general questions about the process. If you would like more information, please contact MRC at (678) 691-8130.