Fees and insurance
Do you take insurance?
Ahhhhhh the most popular question we get…. At Nashville Center for Trauma and Psychotherapy we do not directly contract with health insurance companies, which is a fairly standard practice in our field. This means that your insurance company will not send monies directly to NCTP for the sessions that you attend with us. The good news is there are ways that you may be able to get your insurance to reimburse you for your time with us. These are called “Out-Of-Network” claims.
How do I get reimbursed for “Out-Of-Network” claims?
We will look up your insurance company’s reimbursement policy to see if you are eligible for reimbursement. We can also look up how much you will be reimbursed for each session. Your insurance company will not likely reimburse you for the full cost of the session, but rather a set portion. If you are eligible for reimbursement, the next step is to submit your claims through the process that your particular insurance has outlined for you. We can submit the receipts for you and the insurance company will send you the reimbursement or a second option is to use an app called Better to submit your claims. This is an Apple iOS app with a feature that allows you to take a photo of your bill that will be automatically submitted to your insurance. The cost of this service is 10% of the reimbursed amount.
Either method will still require you to pay out-of-pocket for our sessions at the time of service.
Note: Regardless of the method, if you decide to make out-of-network claims, NCTP is not responsible for pursuing claims or for your insurance company’s ability to reimburse you. Out-of-network claims are entirely between the client and the insurance company. Additionally, insurance does not generally cover the cost of career or marriage counseling unless it is secondary and related to a diagnosable mental health condition.
Please be mindful that by choosing to submit out-of-network claims for therapy with Nashville Center for Trauma and Psychotherapy, this will require us to provide a mental health diagnosis for you. NCTP therapists will not provide a diagnosis that you do not have in order to help you get coverage. We will need to have a conversation about whether or not you are diagnosable and if you want diagnostic information to be shared with your insurance company. In some cases, a person may not want their insurance company to have information about their mental wellness.