I work with a number of medical insurers including BUPA, Aviva, AXA PPP and Vitality.
If you would like to start the process of funding your therapy through your private health insurance policy, please contact your insurer first. Before you start therapy with me, you will need to get some information from them:
Your membership number
Your authorisation number
The number of sessions approved
Is there any excess on your policy? If so, how much is it?
Is there any other limit on your policy?
Is there a renewal date for your policy each year and if so, is there a new funding allowance for counselling / psychotherapy each year?
What is the billing procedure?
The insurance companies vary considerably in their coverage for claims of treatment for psychological conditions. It is the responsibility of every individual to confirm the terms of their policy and act upon advice given by their insurance company. It is also the responsibility of each therapy client to track the number of sessions attended to ensure that each appointment is covered by the terms of the authorisation code. Many insurance companies do not fund couples therapy, so this is something that each client needs to check according to the terms of their policy.
If there is an excess on your policy, this usually means that you will need to pay me directly the initial fees, up to the total of the excess. After that, the remaining fees should be paid by your insurer.
I usually invoice your insurer directly for the session fees. So ordinarily, you will not be required to pay and then reclaim. But different insurance companies and different types of policy can vary, which is why I recommend that you ask the questions above, so you are completely clear about the cover that is available to you.
You will need to give me all the above information, including your full name, your insurance company name, as well as your home address and date of birth at the start. This information ensures that the invoices are processed correctly. This is what enables me to invoice your insurer.