Private Health Insurance
If you have private health insurance, you might be able fund many or all of your psychotherapy sessions through your health insurance. But this depends on the level of cover provided by your policy.
Please ask your therapist about their registrations and approach to funding through private health insurance companies. We say this because each insurer has their own policies and procedures.
If you'd like to start the process of funding your therapy through your private health insurance policy, email us firstname.lastname@example.org or call 020 7637 776; and we'll be glad to assist you.
How do I get my insurance to pay for counselling?
Usually, you will need to contact your insurer (so you’ll need your membership number or policy number handy when you call them). These are the questions you need to ask:
Does my policy cover counselling / psychotherapy?
What is the process for starting counselling funded by my policy?
How many sessions can be funded by my insurance?
How do I get an authorisation code?
Do I need to give you the provider number of my therapist?
Is there any excess on my policy (if so, how much)?
Is there any annual limit or financial limit to my policy? If so, will any other medical bills be deducted from this total if I am having any other medical treatment around this time?
What are the next steps?
What is the billing procedure?
Is there a renewal date for my policy each year and if so, is there a new funding allowance for counselling / psychotherapy each year?
We emphasize that insurance companies vary considerably in their coverage for claims of treatment for psychological conditions. It is the responsibility of every individual to confirm the terms of their policy and act upon advice given by their insurance company. It is also the responsibility of each therapy client to track the number of sessions attended to ensure that each appointment is covered by the terms of the authorisation code. Many insurance companies do not fund couple therapy, so this is something that each client needs to check according to the terms of their policy.
If there is an excess on your policy, this usually means that you will need to pay for the initial fees until the total of the excess is reached. After that, the remaining fees should be paid by your insurer.
Your authorisation code – the magic number
You will need to give your authorisation number to your therapist. This is what enables fees to be billed to your insurer. You will also need to give your full name, your insurance company name, your policy number, the authorisation code, as well as your home address and date of birth. This information ensures that the invoices are processed correctly.