Dr. Duke does not accept insurance at this time. This will not change the many advantages of using Self-Pay for your care, as explained below.
Advantages of Self-Pay: Privacy
Utilizing self-pay for your therapy or diagnostic services without relying on insurance or other 3rd party payors allows you to maintain the most control over your privacy by minimizing the exposure of your protected health information (PHI).
Did you know that whenever you use insurance benefits to cover psychotherapy, the provider has to release certain types of information to the insurance carrier? This is done in order to a) verify your eligibility for coverage, b) pre-authorize services (if applicable), and c) to process claims to obtain payment. As the result, the provider is required to inform the insurance carrier of relevant personal matters such as the nature of the issues you struggle with, your psychiatric diagnosis, and your prognosis. This diagnosis is maintained on your health records, even following the remission of your illness, and is accessible by other medical providers. To prove medical necessity, insurance companies look for what is termed an SMI (Serious Mental Illness). The list of SMIs in Illinois can be found here. This can be avoided by using the self-pay option.
Furthermore, the advantage of Self-Pay includes the fact that no records of therapy exist in the Medical Information Bureau. MIB records of your therapy could potentially compromise your ability to get current or future life, health, disability, or long-term care insurance. Once such diagnosis code is recorded by the insurance, it becomes part of your permanent health care record even after your symptoms have gone into remission. Self-Pay does not require a diagnosis code to justify the medical necessity for the services provided, thus, involves no psychiatric diagnosis code.
In the event of Self-Pay, your therapy remains completely private (with the exceptions to confidentiality such as in the event of persistent suicidal ideation, etc.). You must give Dr. Duke signed permission to consult with any other provider, institution, agency, or individual in your life. No reports of your treatment are shared with your insurance and all records remain with the Dr. Duke only. The few exceptions to this privileged relationship will be explained in detail to you during your first appointment.
Advantages of Self Pay: Control
Keep in mind there are certain types of therapy that may not be covered by your insurance plan, such as relationship or couples therapy or group therapy. Medical insurance companies can also manage the frequency and duration of psychotherapy sessions, rather than accommodate your schedule and needed frequency of therapy. Self-pay allows you to also determine the length of your treatment based on your needs rather than on the basis of the allotted session benefits.
Recent political attention to our economically-driven health care system has pressured providers to offer simplified, symptom-oriented, brief, and most importantly: reimbursable treatment. Clinical psychologists face the same market pressures, and unfortunately this has affected the quality and personalization of psychotherapy. The dynamic psychotherapy offered by Dr. Duke has not abandoned the art and science of psychology for the sake of reimbursability and thus is unique to styles you may find elsewhere.
Therapy is structured to meet your/your child’s needs and provide you with the highest quality of personal care. Dr. Duke is committed to presenting the best empirically-validated treatment approaches in psychology towards your presenting concerns. To also accommodate your financial needs, please reference the sliding scale payment schedule for individual treatment, tailored to your household’s income level.