As Clinical Psychologist and psychotherapeutic Heilpraktiker
I mainly serve:
The costs that are not reimbursed through insurance are payable by the patient.
National Health insurance
Treatment fees accrued through the Heilpraktiker(Psychotherapy) are usually not reimbursed by the national health insurance plans.
For nationally insured patients it is advisable to take out affordable additional insurance (Heilpraktiker-Zusatzversicherung), which may reimburse my services at least partially, otherwise reimbursement is only possible under special circumstances and in few instances.
Private Insurances (Private Krankenversicherung-PKV)
Private insurances and Replacement Insurances at times reimburse Psychotherapy through the Heilpraktiker. Prerequisite though is that the patient has signed a contract that includes the services by a Heilpraktiker for Psychotherapy.
Please ask your insurance, if the costs for the psychotherapeutic Heilpraktiker are covered. I have the license to provide clinical treatment in the realm of Psychotherapy ("Erlaubnis zur Ausübung der Heilkunde auf dem Gebiet der Psychotherapie").
If psychotherapeutic treatment is covered by national, private or additional insurance by agreement, then only by proving a psychiatric disability or illness. Examples for psychiatric disabilities or illnesses are Clinical Depression and Anxiety. In such cases the insurance for psychotherapeutic treatment methods such as Cognitive Behavioral Therapy (CBT), Psychodynamic Psychotherapy and Psychoanalysis (Verhaltenstherapie, tiefenpsychologisch fundierte Psychotherapie und analytische Psychotherapie). In my private practice, I offer CBT (Verhaltenstherapie) and Psychodynamic Psychotherapie (Tiefenpsychologisch fundierte Psychotherapie).
The fees for couples therapy and services that generally do not fall into the clinical treatment realm are not covered by health insurance.
At times it could be considered to refrain from a reimbursement request through your insurance, even if you are privately insured.
Why would you agree to pay for Psychotherapy privately?
Fees for my services for private pay clients:
Individual Therapy (50) Minutes
Individual / Couples Therapy (50 Minutes)
Counseling per Telephone (25 Minutes)
The services of the Heilpraktiker (Psychotherapy) have to be payed privately. However, some Private or additive insurances may offer reimbursement for the services. The National Health insurance will reimburse the therapy services by the Heilpraktiker (Psychotherapy) in some cases. This may be the case, if the need for therapy is necessary and can not be received through a service provider who usually would take patients with National Health insurance. The BDP (professional society for German Psychologists) notes on it's website: You can request that the costs for theHeilpraktiker (Psychotherapy), must be reimbursed by all health insurances, if a space for therapy is not secured within a reasonable time (3 months) frame and in the area where you live .
In this case you have to make a request and application that the health insurance to be covered when seeing this service provider. Nevertheless, you have to wait for the confirmation by your insurance provider before you begin with the actual therapy. If reimbursement is granted in your case, you will receive the bill for services provided from your therapist, the service provider and you must then send the bill to your insurance for reimbursement. The health insurance may then reimburse you in full or partially, depending on the difference between the fee reimbursement schedule and the actual fee charged.
Please pay attention to the following:
When sending in your request to the insurance to be reimbursed by a service provider outside the usual reimbursement contact, you have to prove that the waiting time for a psychotherapist contractually covered by the insurance would be unreasonably long or the distance to such a service provider would be unreasonably far away. Please take notes making telephone calls to different contract service providers (date, time, result) and submit these notes together with your application for reimbursement.