Choosing to go out of network can be expensive. You should always first contact your insurance carrier to see if there is a provider in-network in your area that can address you or your child’s therapeutic needs.

  • On the back of your insurance card, locate the member services phone number. Call and ask for a list of in-network clinicians who are certified to treat Selective Mutism or the specific anxiety disorder for which you are looking to receive support.

  • You should be provided with a list of clinicians in your area that are in-network. When you call clinicians from this list, ask questions such as: Are they taking new patients? What treatment approach do they use? Do they specifically use evidence-based treatments, and if so, which ones? How much experience do they have treating Selective Mutism? 

  • If there is no provider within a reasonable mile radius within your insurance network that specializes in or is certified to treat selective mutism, ask about an in-network exception.

    • An in-network exception (also called “single case agreement” or “gap exception” though could have other names depending on your insurance) is when your insurance will cover services by an out-of-network provider as if they were in-network. This means your reimbursement rate would fall under what is listed in the in-network column of your health benefits information.

 

When is it cost effective to go out of network?

  • IIt may be more cost effective in the long run to see a specialist for your specific therapeutic needs who can quickly and effectively treat the condition. Many clients at ECS will start with us, and then step down to in-network care for maintenance of their treatment gains. Our specialists are available to raise awareness of Selective Mutism and its treatment through consultations and training sessions with your in-network provider.

  • Treatment at ECS is meant to be short-term. If you see someone who is in-network but who does not specialize in treating the diagnosis, treatment may go on longer than it would with a specialist. This can create additional financial costs  as well as greater social-emotional costs to you and your child.

  • It may be time to consider other options and look for a specialist who is out of network if (a) you have been working with an in-network provider and you are seeing limited progress, (b) any progress you have seen does not transfer to other settings (e.g., school or community), or (c) if you/your child’s symptoms are severe and the “usual and customary” in-network therapy is helping you/your child survive but not thrive.

What is a Flexible Spending Account (FSA) or a Health Savings Account (HSA)?

  • A Health Savings Account (HSA) or a Flexible Spending Account (FSA) allows you to pay for out-of-pocket health care costs with pre-tax dollars. When elected with your insurance policy, you typically receive a physical debit card that you can use to pay for health care services, and the amount is pulled from your health care savings account. ECS accepts payment from an FSA or HSA card.

 

ECS is a cash only practice. We do not work directly with insurance because the evidence-based treatment largely used at the practice—PCIT-SM—is considered a specialty service that does not fit within the “usual and customary” services that insurance plans cover as in-network services. However, this does not mean that insurance companies will not cover our treatment. Many policies have out of network benefits that will reimburse you for some or all of the cost of the session.

After a session with ECS, you will be charged the full fee for the session. You will then be provided with an insurance-reimbursable statement that you can submit to your insurance.

We understand that treatment at ECS is a significant investment. If you are interested in working with us, here are a few things to consider:

Services & Fees

Get started with ECS today.