There are straight PPO plans where you have a choice between network and out-of-network providers. Depending on your choice, there is usually a difference in what you pay out of pocket for counseling services. There may be a dollar maximum that an insurance company will pay, or limitations on the number of sessions in a calendar year they will pay for or help pay for. But you do get to choose who you want to see.

And then there are insurance plans which only use a “managed care” panel. Here, your insurance company will pay only if you see someone on their panel of approved providers. In a managed care system, more detailed information on your therapy and problems is required than a simple diagnosis, should you and your therapist desire more sessions beyond a pre-approved number. The insurance company manages your counseling in conjunction with the therapist’s opinion. HMOs work similarly, though in an HMO, the therapist must request additional session authorization through a physician rather than the insurance company.

At Isenberg and Associates, counselors have personally chosen the insurance company panels to which they wish to belong. Not all of our Associates are on all plans, but together we are on many plans. Check our general list to see if your insurance company is included. Then simply call our office to see if the therapist you wish to see is on your insurance company’s panel. Companies often merge or are bought out, and individual affiliations can change, If your plan is not currently listed here, please feel free to ask us.

Our Insurance Plans