We are not providers on any insurance panels. However, depending on your insurance company, you may be entitled to partial reimbursement as we are Out of Network providers. While we do not offer direct insurance billing at this time, The Relationship Center of Orange County is happy to support you in requesting reimbursement from your PPO insurance company for our services.
Simply ask your healthcare provider or our office staff for help obtaining the necessary documentation. You can then submit a claim to your insurance company directly for patient direct reimbursement. Many of our clients receive anywhere from 20% to 70% reimbursement. The amount (and whether you are entitled to reimbursement)is dependent on your policy benefits and if you’ve met your annual deductible.
Need Help Submitting Out-of-Network Claims?
We have partnered with Better – an app that helps clients who pay out-of-pocket to request reimbursement from their PPO health insurance. After each visit, simply submit the account statement you receive via the Better app. They work with your insurance to get you reimbursed.
We offer several options for those who need to pay for counseling services out-of-pocket. You can:
Pay with cash, credit, or debit cards
Use an HSA card or flex spending card
Write a check, payable to RCOC
Are there any risks involved in using my insurance?
Many insurance companies do not pay for couples counseling as they do not see relationship struggles as a medical problem. And we agree – relationship issues are not medical problems. So they may not cover any part of your counseling. If you want to check your benefits, you can contact Better (the app mentioned above) and they will help you understand your coverage.)
Using your medical insurance for counseling has some risks involved to you though. You see, in order to use your medical insurance, you must be given a mental disorder diagnosis which will now be listed on your medical records. This may cause problems later when you might be asked “have you ever been diagnosed with a mental illness?” on a job application or when applying for health insurance or life insurance. It is up to you but we wanted to make you aware of potential complications. Paying out-of-pocket reduces this liability as no one will have access to your records unless required by law.