Bright Horse Counseling is an out-of-network provider which means that we do not bill insurance companies directly.
However, your counseling services may be eligible for reimbursement through your insurance plan’s out-of-network mental health benefits, medical spending, or health care savings accounts.
Health insurance plans and benefits vary. We recommend you call your health insurance customer service number and inquire about your out-of-network mental health benefits. You can learn what percentage you may be reimbursed if you work with us.
Bright Horse Counseling can provide you with a superbill (an itemized medical receipt) at the end of each month which you can submit to your insurance company for out-of-network coverage/reimbursement. Your submission and any reimbursement will be directly between you and your insurance carrier.
Here at Bright Horse Counseling, we choose to work outside of insurance companies for a variety of reasons:
1) We want our clients to be able to determine the length, frequency, and type of therapy they receive. When you use your insurance plan to obtain therapy, the insurance companies can often dictate how long you can be in therapy or even what kind of therapy you can receive. We don’t agree with this. Unless they’re in the room, we think they should butt out of these decisions.
2) Client privacy and protection. When using insurance to pay for therapy, a mental health diagnosis is required-immediately. This hasty diagnosis goes onto your permanent medical record, possibly creating an impact when applying for life and medical insurance coverage, or possibly limiting future employment opportunities. At Bright Horse Counseling, we like to empower our clients to choose whether or not they want to have a diagnosis on their medical record. By being out-of-network and private pay, we can allow our clients the highest degree of privacy, flexibility, and control of their medical records allowed by Tennessee state law.
3) We believe therapy is more about people than pathology. Many of our clients don’t actually qualify for a diagnosis, or the diagnosis we would like to attach to their chart isn’t recognized by the DSM. At Bright Horse Counseling, We recognize that the classification and categorization of mental health diagnoses has largely and historically taken place without collaborative input from women, people of color, the lgbtq community, and more. Diagnoses designed by white men tend to benefit white men. We use a discerning eye and a client-centered approach when diagnosing and assisting our clients.