Out-of-Network: 

Rubin Psychological Services is an out-of-network provider for all insurance carriers. We are sensitive to clients needs for affordable mental health care and can help clients navigate the process of submitting claims for reimbursement. 

 

Navigating Out-of-Network: 

To determine if your insurance company will reimburse you for payments made to Rubin Psychological Services, ask if you have out-of-network benefits for mental health services and, if so, at what percentage you will be reimbursed for each session. You may also have out-of-network benefits that would cover all or a percentage of our fees.  Most patients report obtaining 60-100% coverage out-of-network. If you’d like to find out whether your insurance company will reimburse you for the cost of therapy or testing with us you should contact your insurance company. 

 

Some of the questions you might ask: 

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Do I have out of network benefits to see a licensed psychologist? 

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If so, what percentage of the session fee do you cover? 

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What is the deductible, and how much of the deductible have I met? 

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How do I access the form(s) needed to submit a request for reimbursement? 

Insurance companies use procedure codes to reimburse for specific services. 

 

Here is a list of some common codes: 

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90791 (60-90 minutes) = Intake appointment  

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90834 (45 minutes) = Individual Psychotherapy 

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90847 (60 minutes) = Individual Psychotherapy (most frequently used code for therapy at Rubin Psychological Services) 

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90846 (60 minutes) = Family Therapy without client 

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96101 (60 minutes) = Psychological Testing. Please note that testing time includes scoring, interpretation, report writing and time spent contacting other professionals, in addition to face-to-face meetings.