Frequently Asked Questions
Does 1A Wellness accept health insurance?
We do not file insurance claims through our practice and are not in-network with health insurance companies. However, we provide the needed receipts so that clients with out-of-network benefits can submit claims directly to their insurance provider and accept health spending account cards. The majority of clients in our practice receive some reimbursement for their sessions.
Do you have a free initial consultation?
When you call 1A Wellness, you will hear back from a skilled clinician who will ask you a series of initial questions to understand your needs and to recommend a specific therapist to you from our group. You are not charged for this initial conversation, and you are only charged for your first full therapy session, if you decide to schedule a second appointment.
What happens if I miss my appointment?
We ask that you cancel 48 hours notice prior to your appointment. Clients who cancel less than two days prior to their appointment or do not show for their appointment are charged the full fee.
Why is 1A Wellness out-of-network?
Most of our therapists have spent 6-10 years receiving additional training beyond their undergraduate degree. We are not in-network with health insurance panels because insurance companies often do not compensate therapists in a way that reflects their value. In-network rates can result in excessive caseloads, risking overall quality of the therapy and limiting the resources available for each client’s unique needs and treatment.
In-network insurance plans can also put restrictions on the frequency of meetings, length of appointments, and even types of therapy provided (some will not cover relational therapy, for example).
Match: The quality of your relationship with your therapist matters a lot. Rather than being restricted to therapists in their network, some clients decide to prioritize finding the best match possible. It is not uncommon that clients call us when they have repeatedly tried seeing therapists within their network and have not found the right match.
Specialists: People are looking for a therapist with a unique skill set (e.g., couple or adolescent therapy, EMDR, IFS, etc.) or an exceptionally high level of clinical training.
Availability: It sometimes can be difficult to find a therapist who is in-network and accepting new clients.
Privacy: They value their confidentiality and privacy and do not want insurance companies to have access to their therapy records.
Control: They want control over the course of their therapy so that they can work with their therapist to determine the length of the therapy and not have sessions abruptly terminated by their insurer.
Health Benefits: They want to use their flexible spending accounts (FSA), health savings accounts (HSA) accounts, or they have excellent out-of-network insurance benefits for mental health that they want to use.
Clients pay our therapists the entire session fee at the time of service, and depending on your specific plan, your insurance company will mail you a check to reimburse a portion of that cost. We can provide you with a form of receipt called a Superbill that you send directly to your insurance company at the end of each month. The Superbill includes details such as your diagnosis, procedure codes, how many sessions you’ve had, and the total fee.
Using an app like Reimbursify or Better can help you more easily navigate the reimbursement process.
Out-of-Network Insurance Checklist
The following is a list of questions to ask your insurance representative prior to your first appointment.
- If I see a ‘behavioral health’ or outpatient therapist (this is the language they use for mental health providers) who is not within my network, what is my financial responsibility?
- Our clients submit their own claims to insurance companies so you will want to ask “How do I submit claim forms for reimbursement?”
- The out-of network deductible is the amount of money that you need to pay before you are eligible for reimbursement. Ask “What is my deductible?”
- What is my out-of-pocket maximum (the maximum amount you could be asked to personally pay from your own pocket in a calendar year)?
- What is my out-of-network cost share (the percent you are responsible for)?