Therapy Through the MultiPlan Network

Insurance and Fees

What MultiPlan is

MultiPlan is a large provider network that many health plans, employers and benefit administrators use to give their members access to a wider group of providers. Instead of building a network of their own everywhere, some plans rent access to MultiPlan's network.

If your plan works with MultiPlan, your insurance card may show the MultiPlan name or logo, or the logo of one of its network brands. That is often a sign that providers who participate with MultiPlan may be treated as in network, or at a preferred rate, under your plan.

MultiPlan itself is not your insurance company. Your health plan or benefit administrator still decides what is covered, what you owe and how claims are paid.

• A provider network
• Used by many plans
• Not your insurer
• Benefits vary by plan

How to confirm your benefits

Call the member services number on the back of your insurance card. Tell them you are looking for outpatient mental health or behavioral health therapy with a provider who participates in the MultiPlan network, and ask how your plan applies.

Helpful questions include: Does my plan use the MultiPlan network for outpatient behavioral health? Would a MultiPlan participating provider be considered in network for me? What is my deductible, and how much have I met? What will my copay or coinsurance be per session? Are telehealth sessions covered the same way as in-person sessions? Is prior authorization required?

If the representative is unsure what MultiPlan means for your plan, ask them to check how claims from a MultiPlan participating provider are processed. Sometimes a second call or a supervisor can give a clearer answer.

Note the date, the representative's name and a reference number. If anything is unclear, you can bring your questions to our free consultation and we will sort through them together.

• Does my plan use MultiPlan?
• Deductible
• Copay or coinsurance
• Telehealth coverage
• Prior authorization

If your plan does not use MultiPlan

I am in network with most major insurance plans, so MultiPlan is only one of several ways your benefits may apply. If your plan is not one I participate with, you may be able to use out-of-network benefits, and I provide superbills for possible reimbursement.

Private pay is also an option. If you choose to pay privately, I will go over fees with you before your first session.

Appointments canceled with less than 24 hours' notice are subject to a $100 fee. Insurance plans generally do not cover late cancellations.

Why the practical details matter

Insurance language can be confusing, and it is easy to feel embarrassed about not understanding it. You are not alone in that. Networks, allowed amounts, deductibles and coinsurance are terms most people only learn when they need care. Asking questions is part of being a careful consumer of health care, not a sign that you are doing something wrong.

Money worries can make it harder to start therapy or to keep going once you begin. I would rather you know what to expect before your first session than be surprised later. A short call to confirm your benefits can make the rest of the process simpler.

Once the practical details are settled, our time can go where it belongs: to what brought you to therapy in the first place.

Getting started

Sessions are by secure video for adults physically located in Connecticut, New York or Massachusetts. A free consultation lets us talk about what brings you to therapy and answer practical questions about cost. Visit the Work With Me page to request a time through the secure client portal.