This depends on multiple factors. Medical insurance plans require that the services you are receiving are "medically necessary," and they must also meet the covered service type on your plan (your plan may not pay for every service).
"Medically necessary" means:
1. You must demonstrate the diagnostic symptoms for medically necessary treatment (i.e. a "mental health diagnosis"). Keep in mind that your plan may not pay for every diagnosis.
2. You must also demonstrate that you are suffering from daily and routine functional impairment in various settings / circumstances in your life, and that the counseling treatment you are receiving is required to relieve your symptoms and resolve these impairments.
While personal and relationship growth and enrichment are extremely common (and very valid) reasons for which people seek out counseling services, these reasons alone may not fulfill the “medically necessary” insurance requirements.If you DO meet the medically necessary criteria for your insurance plan and you wish to proceed with the submission of claims to your insurance to receive payable benefits, please be aware that your insurance plan will then dictate the type and length of services and duration of treatment that you can receive from me. At any time, your insurance plan may also request your treatment notes and any documentation of the services you have received to evaluate whether they agree that you meet their criteria for the services and treatment that you are receiving.
Many people do not want their treatment to be dictated in these ways by an insurance plan, or they do not want to be assigned a mental health diagnosis as part of their health record. They may be concerned about the interference this could create for military and security clearance or for the purchase of a fire-arm as the FBI gun-purchase background check systems may retrieve information regarding mental health treatment via the National Instant Criminal Background Check System (NICS) that is used for this purpose.
These are all things to consider as part of your informed consent process for the filing of insurance claims.
If Kristin is in network with your insurance, and you do NOT want her to file claims, you have the right to "opt out" of filing claims.
If Kristin is in network with your insurance plan and you DO want to utilize your insurance benefits, she will file claims to your insurance on your behalf. Please be aware that there is not a guarantee of benefits paid by your plan and that you (not your insurance plan) are ultimately rsponsbile for any applicable fees. Generally speaking, you will be responsible for any non-covered services or non-covered diagnoses on your plan. For covered services and diganoses that meet medical necessity, you will be responsbiel for any deductible, co-insurance, and co-payments that apply to your plan benefits / requirements.