Accessing Mental Health Care with Non-Network Providers for Mayo Clinic Employees

Posted by: Dr. Justin D'Arienzo, Psy.D., ABPP

Accessing Mental Health Care with Non-Network Providers for Mayo Clinic Employees

mayo clinic nonnetwork psychologist counselor mental health care

For Mayo Clinic employees, prioritizing mental health is essential for maintaining overall well-being. While the Mayo Clinic’s health insurance offers comprehensive coverage for mental health services, there are instances where employees may choose or need to see a non-network provider. Whether it’s due to a specific therapeutic need, a preferred specialist, or geographic limitations, understanding how to navigate reimbursement for these services is crucial. This article provides a guide for Mayo Clinic employees seeking mental health services outside the insurance network.

D’Arienzo Psychology has served multiple Mayo employees over the last 20 years as non network psychologists, counselors, and therapists. We are accustomed to filling out the necessary forms to assist you in getting reimbursed. It has been our experience that a large portion of your bills are reimbursed by Mayo’s insurance plan. Don’t be anxious about the process. You deserve the best mental health services available, and we can help you get them with us. Contact us at 904-379-8094 or [email protected]

Step 1: Review Your Out-of-Network Benefits

Firstly, it’s important to familiarize yourself with the out-of-network benefits your Mayo Clinic health insurance plan provides. While out-of-network services typically incur higher out-of-pocket costs and deductibles, many plans still offer partial coverage for these services. Detailed information about your out-of-network coverage, including reimbursement rates and the process for submitting claims, can be found in your insurance plan documentation or by contacting your insurance provider directly.

Step 2: Understand the Costs

Before beginning treatment with a non-network provider, it’s advisable to discuss costs upfront. Inquire about the provider’s fees for each session, any potential additional costs, and the expected duration of treatment. Knowing these details will help you budget for the expenses and understand how much you might be reimbursed based on your insurance plan’s coverage.

Step 3: Submitting Claims for Reimbursement

To seek reimbursement for out-of-network mental health services, you will need to submit a claim to your insurance provider. The process typically involves filling out a detailed claim form and providing receipts or itemized bills from your mental health provider. These documents should clearly state the services provided, the dates of service, and the total charges. Each insurance provider has specific requirements for claim submissions, so it’s important to follow these closely to ensure your claim is processed efficiently.

Step 4: Keep Detailed Records

Maintaining organized records of all communications, receipts, and claim submissions is crucial when dealing with out-of-network services. This documentation will be invaluable if you need to follow up on the status of a claim or dispute a decision made by your insurance provider. Keeping detailed records can also help you track your out-of-pocket expenses for tax purposes or for potential reimbursement through a Health Savings Account (HSA) or Flexible Spending Account (FSA), if applicable.


Choosing a non-network provider for mental health services can sometimes be the best decision for your care, even though it involves navigating additional steps for reimbursement. By understanding your out-of-network benefits, discussing costs upfront, submitting claims accurately, and keeping detailed records, you can manage the financial aspects of your mental health care effectively. Remember, investing in your mental health is a crucial component of your overall wellness, and Mayo Clinic’s insurance provides avenues to support you, even outside its network.

We offer multiple options in Florida for you to see a licensed psychologist or mental health counselor through your Mayo insurance as a nonnetwork provider. Contact us today at 904-379-8094 or [email protected] Note that Dr. D’Arienzo is licensed to provide virtual services in nearly 39 other states in addition to Florida. Please note that our office is centrally located in Jacksonville, Florida.