Insurance Information
I don't currently accept insurance directly, but I do provide superbills for clients who may be eligible for out-of-network reimbursement. This means you'll pay for sessions upfront and can submit superbills to your insurance provider for potential partial or full reimbursement. Unfortunately, reimbursement isn't guaranteed, so I recommend checking with your insurance provider beforehand, especially if reimbursement is necessary to make therapy financially accessible.
While I'd love to make my services more accessible through insurance, I'm not currently in a position to take on the financial risks and costs associated with insurance paneling. I'm always happy to answer questions and help you better understand your options.
Navigating out-of-network coverage
If you're hoping to receive insurance reimbursement for therapy, I recommend calling your insurance provider's behavioral health or member services line (usually listed on your insurance card or insurer's website). Here are some questions to help you understand your coverage:
1. Start by confirming your out-of-network benefits.
Ask: "Do I have out-of-network coverage for mental health services, and will you accept superbills from an out-of-network therapist?"
If not, your plan may not reimburse you for our sessions.
2. If you have out-of-network coverage, ask about the details.
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Are there any limitations or requirements that could prevent reimbursement?
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Do I need a referral, authorization, or other documentation before starting therapy?
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How much will I be reimbursed per session?
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What is my out-of-network deductible, and have I met it yet?
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What is my copay or coinsurance?
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How do I submit a superbill, and how long does reimbursement typically take?
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How long do I have to submit a superbill after a session?
These questions can help you get a clearer picture of what your insurance may cover, what you'll be responsible for paying, and how the reimbursement process works.
3. If your plan doesn't cover out-of-network therapy, ask about single-case agreements.
Some insurance providers may offer a single-case agreement, which can allow coverage for services from an out-of-network therapist under specific circumstances. This may be an option when a therapist offers a clinical specialization that isn't readily available through your insurance network.
I don't currently participate in single-case agreements, but you're welcome to ask your insurer:
"Do you offer single-case agreements for out-of-network mental health providers? If so, what is the process for requesting one?"
4. Have my information handy when you call.
Your insurance provider may ask for my credentials, practice ZIP code, or CPT codes to help verify your benefits. Having this information available can make the process a little easier.
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Therapy Credentials: Ryan GrosJean, Licensed Marriage and Family Therapist #155216
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NPI Number: 1417530577
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CPT Codes I use: 90791 for the first session, 90834 for ongoing individual sessions, and 90847 for relationship sessions.
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Business Address: 3350 Shelby Street Suite 200, Ontario, CA 91764
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Business Phone: (909)278-8614
While navigating insurance coverage can feel overwhelming, taking a few minutes to ask these questions can help you make a more informed decision about the financial side of therapy.
Finding a therapist that takes your insurance
If you're looking for a therapist who accepts your insurance directly, there are a few ways to get started!
1. Start with your insurance company's provider directory.
Most insurance companies have a behavioral health directory you can access online or through the customer service or behavioral health number on your insurance card. These directories can be a helpful starting point, though they don't always provide much information about each therapist. Once you find a few names, you can search for their websites or other directory profiles to learn more about their approach and specialties.
2. Use an online therapist directory.
Directories like Psychology Today allow you to filter therapists by insurance provider. You can also explore other options on my Directories page.
Just a heads-up: Some directories may include therapists who aren't actually in-network with your insurance, especially as you scroll further through the results. I recommend double-checking the insurance information on each therapist's profile before reaching out.
3. Reach out to therapists directly.
You can also search for a therapist using Google or another directory and contact them to ask whether they accept your insurance. Many therapists list their accepted insurance plans on their websites, but that information isn't always up to date. When in doubt, it's worth reaching out to confirm!
Finding a therapist who meets both your clinical needs and insurance requirements can take a little extra digging, but hopefully these options give you a helpful place to start.