We do not participate in any private insurance plans. However, in many cases, insurance companies will pay for 50-80% of the cost of therapy through out-of-network benefits. We can help you understand your benefits so that therapy is more affordable for you. We can provide documentation for you to submit to your insurance company for out-of-network reimbursement.

To verify your out-of-network benefits, click here.

If you need more information, call the number on the back of your insurance card and ask the following questions:

• Do I have benefits for out-of-network psychotherapy?

• Is there a deductible? How much have I reached? When does the deductible reset (usually January 1)?

• What are the out-of-network benefits for CPT codes 90791 (initial assessment), 90834 (individual psychotherapy), 90837 (individual psychotherapy)?

• Do I have coverage for therapy via teletherapy (video or phone), with the modifier code 95? This is usually indicated on your receipt or claim by adding "95" to the billing code, i.e. 90834-95 is for an individual session via teletherapy.

• Do I need any pre-authorization to receive these services out-of-network?

• Can I submit claims electronically? How long does it take to process?

​For insurance purposes, our billing zip code (business address) is 19320. Morgan Levine is a clinical social worker in MD, VA, DC, PA, CO, and FL. Katy Levine and Evyan Roberts are a supervisees in social work in Virginia and licensed to practice in MD, DC, and PA (Katy only) under supervision from Morgan. Molly Stackhouse is a Licensed Professional Counselor in Pennsylvania and South Carolina and a Licensed Graduate Professional Counselor in Maryland.

How to File Your Claim for Reimbursement

We partner with a 3rd party, Reimbursify, to help you file and manage your out-of-network claims. We cannot guarantee reimbursement. Please see above to ensure you understand your out-of-network benefits.

Step 1: You will need the superbill you receive from us on the 3rd of every month. You can find this in your patient portal: https://ifsemdrtherapy.clientsecure.me

Step 2: Submit your claim to your insurance provider directly using their website or using Reimbursify: https://partner-filefast.reimbursify.com/?qc=IFSEM925A

Step 3: Your claim will go through an approval process.

Step 4: You receive a reimbursement check from your insurance company (or an equivalent amount applied to your OON deductible, if applicable)

If you have more questions, you can message hello@reimbursify.com or visit their Patient Toolkit located here.

Why We Don't Take Insurance

As a therapist, I often hear the question, "Why don't you take insurance?" It’s a valid and important question, especially considering the cost of mental health care and the financial constraints many people face. The decision not to accept insurance is not made lightly; it involves a complex interplay of factors that ultimately influence the quality of care we can provide. Below I explain some of the main reasons behind this decision.

Administrative Burden There is an overwhelming administrative burden it takes to work with insurances including verifying coverage, submitting claims, dealing with rejections, waiting long periods of time for payment, and sometimes even hiring additional staff to manage these tasks. This administrative work can detract from the time and energy that we can otherwise dedicate to our clients. By not taking insurance, we can focus more on providing high-quality care rather than navigating bureaucratic red tape.

Focus on Quality Over Quantity Reimbursement rates from insurance companies are often quite low, making it financially challenging, if not unsustainable, for therapists to sustain their practices. These rates do not adequately reflect the cost of providing high-quality care, including continuing education, office expenses, and the time spent on non-billable activities such as treatment planning and consultation.

Consequently, therapists who rely solely on insurance payments may find it difficult to cover their costs and maintain their practices without seeing 25+ clients a week. We do not believe this is a sustainable caseload to give our clients the highest quality care.

By ensuring our rates are financially viable for our therapists, we ensure our therapists focus on quality over quantity. Without the pressure to see a high volume of clients to make up for low reimbursement rates, therapists can devote more time and attention to each individual client. This can lead to more meaningful and effective therapeutic relationships, fostering better outcomes for those seeking help.

Reduced Autonomy and Confidentiality Insurance companies often impose restrictions on the type and length of treatment they are willing to cover. This can limit a therapist's ability to tailor treatment plans to the specific needs of each client. For example, an insurance company might only cover a certain number of sessions, which might not be sufficient for someone requiring long-term therapy. By not accepting insurance, therapists maintain the freedom to use their professional judgment in determining the most effective course of treatment without external constraints.

Another critical concern is client confidentiality. Insurance companies require detailed records and diagnostic information to process claims. This information becomes part of the client’s permanent medical record, which can be accessed by other healthcare providers and, in some cases, employers or other third parties. Some people feel uncomfortable with this level of disclosure and prefer to keep their mental health treatment private. We let clients decide whether they wish to use their benefits and therefore share their information with their insurance companies or not.

In conclusion, while not accepting insurance can present financial challenges for clients, it also offers significant benefits that can enhance the therapeutic experience. It allows therapists to maintain their autonomy, ensure confidentiality, and focus on providing high-quality, personalized care. For these reasons, many therapists, including our team, have made the difficult decision to operate outside the insurance system. Our ultimate goal is to create a therapeutic environment where clients feel safe, valued, and supported, enabling them to make meaningful progress in their mental health journeys.

If you have any questions or need assistance navigating the options for therapy, please don't hesitate to reach out. Your mental health is a priority, and there are various ways to find the support you need.