FAQS

DO YOU ACCEPT INSURANCE?

We accept  HUMANA,  OPTUM/UNITED HEALTHCARE, and AETNA.

If your insurance is not listed, we can provide you with a superbill /receipt to file for reimbursement with your insurance company.

WHAT ARE YOUR FEES?

Our fees are from $100-$160.

Why don't you accept some insurance for payment?

Some of our providers at Tampa Life Counseling doesn't accept insurance or bill your health insurance company for services on your behalf for many reasons. Many clients ask about using health insurance to pay for their therapy, and wonder why we are not on some insurance panels.

  • Health insurance companies need your therapist to have a legitimate diagnosis in order to provide you with treatment they will reimburse. However, not everyone that comes into our office has a mental illness, but rather are struggling with life stressors and need to get back on track. Some common reasons for coming to therapy, like couples counseling and grief counseling, are typically not covered by insurance.

  • Your therapist is required to give you a diagnosis, which your health insurance will then keep on file permanently. The diagnosis stays on your permanent health record and can affect your future. For example, if you would want a job that requires a security clearance or if you would like to adopt a child, mental health diagnoses are taken into account. 

  • Insurance companies will usually authorize a specific amount of sessions that they will provide payment for. In our experience, there is no "one-size-fits-all" when it comes to therapy. People have varying levels of severity with their symptoms and obstacles that are unique to their life alone. Having an insurance company say we need to get all of your issues resolved in x amount of sessions puts unnecessary pressure on the both of us! We also don't want to leave you without our work completed because the insurance company thinks you don't need any more treatment.

  • Your treatment remains confidential when you do not use insurance. Since we are not billing insurance companies, the information about your treatment remains confidential between you and your therapist, unless you wish to release that information to another party. 

  • Insurance companies want a lot of information about you, and would require your therapist to update them on your progress frequently, because it is their money after all. Your therapist would have to speak to a complete stranger on the phone, who may or may not be trained in mental health treatment, who is putting information in their company database about you, and who determines whether or not the therapy is helping you. ​

 

 If you are still interested in using your health insurance, many plans (usually PPO) have out-of-network benefits, and your therapist will be happy to give you the form to submit for reimbursement. Keep in mind that your therapist will still have to give you a mental disorder diagnosis, which will still be part of your permanent health record. You will pay your therapist directly and will then be reimbursed by your insurance carrier according to the terms of your plan.