Insurance

Insurance

To allow your individual needs to be our focus rather than the limitations, exclusions, and requirements of your health insurance plan, which are almost always indifferent to sexual addiction recovery, Coeur d’Alene Counseling, Inc. provides private counseling services and, thus, contracts with a very limited number of health insurance companies.  As a limited-contracted provider, Coeur d’Alene Counseling is able to provide you the highest quality service that matches up with your unique needs.


Though Coeur d’Alene Counseling, Inc. does not accept insurance as payment, Ed Dudding is contracted with a limited number of providers and that number is subject to change periodically. So in some circumstances insurance may be accepted as payment.  Coeur d’Alene Counseling does not make inquires to determine eligibility.  It is the patient’s responsibility to determine available coverage, and in all cases, patients are responsible for payment of services.  NOTE: Health-insurance companies often require a diagnosed mental or emotional disorder (DSM-V number code) indicating an “illness” before they will agree to cover treatment or reimburse for treatment.  Any diagnosis made may become a part of the patient’s permanent medical record.


It is important to note that all Marketplace insurance plans cover mental health and substance abuse services. The specific behavioral health benefits depend on your state of residence and the Marketplace health plan you have chosen. All these plans, however, are required to include psychotherapy and counseling treatments, cover pre-existing mental and behavioral health conditions, and spending limits are not allowed on any essential health benefit.

As this relates to sexual addiction, sexual addiction treatment is not usually a covered benefit even though substance use disorder (commonly known as substance abuse) is a covered benefit.


As a courtesy, we do provide itemized receipts for services purchased and provided that you may submit for reimbursement from your health insurance carrier.  It is important to note that health insurance plans vary considerably in their mental health coverage and benefits, and no health provider can guarantee payment of services as they are subject to your policy’s conditions. In most cases, however, health insurance plans do provide some out-of-network mental health coverage although reimbursement is often less than in-network provided services. It is always best that you directly check with your health insurance to understand your particular policy’s benefits.

Health insurance companies often require a diagnosed mental or emotional disorder indicating an “illness” before they will agree to reimburse you (or fund a covered benefit). Any diagnosis made may become a part of your permanent medical record.


Coeur d’Alene Counseling, Inc. is not a Medicare provider, and our services are not likely eligible for Medicare reimbursement.


Visa, MasterCard, and AMEX are welcome at Coeur d’Alene Counseling