Fees & Insurance
I do charge according to the official tariff system for psychotherapists (GOP) between 2.8 and 3.5 times the standard rate depending on professional assessment. Currently that amount varies between 112,62 € and 140,76 € per 50 minute session.
For your information: http://www.gesetze-im-internet.de/gop/BJNR081800000.html
Why it can make sense to pay for psychotherapy privately
- Discretion. As a direct payer you have the advantage that none of your data and diagnoses is shared with the health insurance company. Only you and your therapist know about a privately-financed psychotherapy.
- Psychotherapy on your record can have detrimental effects on later attempts to obtain a variety of insurances (e.g. life insurances).
- If you aspire to get "verbeamtet" in the German state service, then psychotherapy on your record can lead to the failure of the "Verbeamtung".
- As a direct payer there are no formalities involved.
- As a direct payer you can freely determine the number and frequency of sessions, independent from insurance concerns
I am not part of the German statutory health insurance system (Gesetzliches Krankenversicherungssystem). Private insurances cover the costs of psychotherapy in general. However, I do not deal directly with your insurance company. You pay and then request reimbursement from the company. If you want them to reimburse you, I will provide you with a monthly “Receipt for Insurance” which you can turn in to your insurance company for reimbursement. You would be responsible for:
- Checking with your insurance carrier to make sure that they will pay for therapy with me;
- Paying upfront and sending in the “receipts for insurance” to your insurance to get reimbursed.
For patients in the statutory health insurance system
The German statutory health insurances are obliged to guarantee the adequate care of their clients. If you can prove to your health insurance company that you were not able to find a psychotherapist who works within the statutory health insurance system in your immediate surrounding who can offer you treatment within a reasonable period (up to 6 weeks), you have the right to make arrangements with a psychotherapist of your choice.
Here are the necessary steps
1. Step: Get in touch with your health insurance
Contact your health insurance and ask how you can make an application for "Kostenerstattung für Psychotherapie" (cost allowance for psychotherapy). Be prepared that they will react negatively.
2. Step: Collect refusals
Call five psychotherapists, who work within the statutory system and ask, when a free therapy place is available. Take written notes of name & address of the therapist, date, time and result of the telephone calls. (Attention: do not ask for the waiting period up to the to the preliminary session, but for the waiting period up to the beginning of the actual therapy).
3. Step: Certified urgency
This requires a visit with your family doctor or psychiatrist / neurologist. Ask your doctor to certify the urgency of a psychotherapeutic treatment. A short written statement is sufficient. Moreover, you need a medical "Konsiliarbericht" which basically has to state that physical causes for your condition can be excluded.
4. Step: Application for "Kostenerstattung"