Using Insurance For Therapy

Decision Point Therapy is not an in-network provider with any health insurance companies.

This allows more flexibility over your counseling treatment without the constraints of insurance rules and restrictions, and more control over your privacy.

You have two options for paying for therapy at Decision Point Therapy:

  1. Paying out of pocket
  2. Paying out of pocket and then seeking insurance reimbursement

Read on for more about option 2.

Using "Out-of-Network" Benefits

Many clients use their "out-of-network" mental health benefits to help cover the costs of counseling.

Please note that Decision Point Therapy cannot complete insurance claim paperwork for clients or file claims on your behalf.

There are 2 ways to use these benefits and seek reimbursement:

Option #1 - Use the Better App

Option #2 - DIY

To use this option, you will need to file a claim with your insurance company after you have paid for your counseling sessions.  This is straightforward process with for most insurance plans.

You will automatically receive an insurance-ready receipt, called a Superbill, from Decision Point Therapy after the close of each month.  You may also access your Superbills at any time through your personal online counseling portal.

A Superbill is a specialized invoice, which includes the procedure coding, diagnosis coding and session dates that your insurance carrier will need in order to reimburse you.

Your insurance company will need this to review your claim and make a decision about reimbursement.

If you wish to use your out-of-network health insurance benefits, please call your company prior to beginning therapy to ask:

  • What are my out-of-network mental health benefits?
  • Do I need to have a mental health disorder diagnosis to use these benefits?
  • Do I need to meet a deductible?
  • How do I submit a claim for reimbursement?

You may also consider using your Health Savings Account (HSA) or Flexible Spending Account (FSA) to cover the costs of therapy sessions at Decision Point Therapy.

Using Insurance to Cover Couples Therapy

Many insurance plans do not cover couples therapy unless one or both partners have a covered condition.  This includes mental health disorders such as depression, anxiety, and PTSD.

However, if none of these conditions are present many companies will not cover the costs of therapy.  Improving a relationship or marriage is not yet deemed a mental health issue as far as insurance companies are concerned.

While this is unfortunate, (particularly given the research evidence showing that poor relationships DO affect mental and physical health), it doesn't have to stop you from receiving the help you and your partner need.

You may schedule counseling sessions less often than once per week to help make therapy more affordable, if needed.


Feel free to contact Dr. McDowell if you have questions about therapy fees or using your insurance to receive reimbursement for your treatment.

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