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Lily Morgan is an out of network provider 

for the state of New York. This means you can be reimbursed for my services by any insurance plan that includes out-of-network benefits, including Blue Cross/Blue Shield, Aetna, Cigna, and United Healthcare. Usually this involves submitting a claim form to your insurance carrier along with a billing statement from your provider detailing the services rendered, diagnosis, etc. Typically, I provide superbill statements on a monthly basis to support client's reimbursement process.

If you're not sure if you have out-of-network benefits, call your insurance company and ask them the following questions:

• Do I have out-of-network coverage for outpatient psychotherapy (CPT Code 90834)?

• What is my deductible? Has any of it been met yet?

• What is my coinsurance? (This will be the percentage that your insurance company will pay after you meet your deductible)