At Access to Coverage, we make securing insurance coverage for your out-of-network therapist simple and straightforward. Our team works directly with your insurance provider to negotiate a special agreement, ensuring your therapist is treated as in-network, which minimizes your out-of-pocket costs.
Start by reaching out to us at 848-525-0066 or email us at [email protected]. We’ll guide you through the process and answer any questions you may have.
Click on the Begin Process button to fill out two essential forms:
HIPAA Release Form: This form authorizes Access to Coverage to contact your insurance company on your behalf. It will ask for basic information, including:
We’ll also need some details from your therapist to move forward. These include:
With all the necessary information from you and your therapist, we will begin negotiating with your insurance company. Our team will work directly with your insurer to secure a special agreement that treats your therapist as in-network, significantly reducing your out-of-pocket expenses.
Once negotiations are complete, we’ll confirm your coverage. We’ll inform you of the number of therapy sessions covered under your insurance plan and the amount your insurer will pay per session. Your therapist will be officially considered in-network.
Ongoing Support Our job doesn’t end once coverage is confirmed. We provide ongoing support to ensure everything runs smoothly. If you have any questions or encounter any issues during the process, we’re here to assist you.
we help individuals get approval from their insurance companies to continue seeing their preferred out-of-network providers while paying in-network rates. Many people face challenges when their provider is not covered by their plan, and we work to bridge that gap by negotiating directly with insurers on their behalf.
We assess your insurance plan and provider details to determine eligibility.
You sign a form allowing us to communicate with your insurance company on your behalf.
We compile the necessary documentation, including letters of medical necessity, treatment history, and provider credentials.
We advocate for approval by demonstrating why your provider is the best or only suitable option.
If approved, your provider will be reimbursed at in-network rates. If denied, we explore appeal options.
Not all insurance plans handle out-of-network coverage the same way. Understanding your plan type can help set expectations:
These typically offer the most flexibility for exceptions.
Generally require referrals and do not cover out-of-network providers, making exceptions harder to obtain.
Some employer-sponsored plans have additional flexibility, depending on their agreements with insurers.
Some employer-sponsored plans have additional flexibility, depending on their agreements with insurers.
Most Medicaid programs do not allow exceptions, though certain circumstances may warrant a review.
Each insurance company has different rules regarding when they will cover an out-of-network provider.
we handle the complexities of this process so you can focus on your care. Contact us today to find out how we can help.
At Access to Coverage, We are committed to helping individuals get the therapy they need by breaking down the barriers that insurance companies often put in place.