Some health plans allow you to choose a psychologist outside their provider network and request reimbursement for psychotherapy sessions. Sessions are private-pay. After payment, I provide the documentation related to your sessions so that you can submit a reimbursement request to your health insurer, when this benefit is included in your plan.
Reimbursement amounts and conditions vary depending on the insurer and, most importantly, on your specific contract. It is therefore worth checking your coverage before starting treatment.
Below are some of the main health insurers that offer plans with reimbursement options. Select your insurer to see what you should check.
Some Amil plans allow reimbursement for procedures carried out with private healthcare professionals. Amil’s reimbursement tables include individual psychotherapy sessions with a psychologist..
Coverage, however, depends on the specific plan you have. Having an Amil plan does not automatically mean that all therapies provided outside the network will be reimbursed.
What to check
Use the Amil app or contact Amil to confirm whether your plan includes reimbursement for therapy or psychotherapy and, if available, ask for the estimated reimbursement amount for an individual psychotherapy session.
Amil uses TUSS code 50000470 for “Sessão de Psicoterapia Individual por Psicólogo” in its procedure tables.
O Bradesco Saúde distinguishes between contracts with Reembolso Específico and Reembolso Completo.
Para psicoterapia, o ponto importante é verificar se o seu contrato possui Reembolso CompletoUnder this option, Psychology is included among the therapies that may be provided outside the insurer’s network and submitted for reimbursement.
How to check
In the member area, look for: Meu Plano de Saúde → Informações Cadastrais.There you can check which reimbursement option applies to your contract.
The Bradesco Saúde app also allows you to request an advance estimate of psychotherapy reimbursement..
For therapy, Bradesco Saúde may request additional documentation, including a medical referral and a report from the treating professional.
The Omint offers plans with open access in which members may choose professionals outside the network and request reimbursement for consultations and treatments, subject to the limits of the plan contracted.
Current products offering this type of choice include Saúde Integral Omint Premium and Medicina Completo Omint PremiumOther products may follow different rules.
What to check
Confirm whether your plan offers livre demanda and ask Omint about the reimbursement amount for psychotherapy with a professional of your choice.
Coordinated-care plans may work differently. Omint Kipp plans, for example, do not offer reimbursement based on free choice of provider.
The Porto Saúde offers products with reimbursement for treatment received outside its provider network. The Linha Tradicional, for example, is currently presented by Porto as a nationwide plan line with reimbursement.
Availability depends on the specific plan. Porto recommends checking in advance whether the procedure is covered under your contract.
How to check
Through the Porto Saúde app, you can check reimbursement information and, when available, request an advance reimbursement estimate for therapy.This is the best way to know how much your plan may reimburse before starting your sessions.
Not all Porto plans include reimbursement. Check the conditions of your contract before starting treatment.
Some SulAmérica Saúde products allow you to request reimbursement for psychotherapy with a professional outside the insurer’s network.
SulAmérica’s reimbursement documentation identifies psychotherapy among the therapies that may be submitted for review, according to the conditions of the contract.
How to check
In the SulAmérica Saúde app, go to Reembolso and request an advance reimbursement estimate for therapy.This provides an estimate before the session takes place.
For psychotherapy, SulAmérica may require a medical referral or report, in addition to documentation related to the treatment and payment.
The reimbursement may cover the full session fee or only part of it. This depends entirely on the conditions of your specific plan.
Requirements vary between insurers and plans. Documents that may be requested include:
Before submitting a reimbursement request, check the specific documentation required by your plan.
My sessions are not provided through health insurers’ accredited networks.
If your plan offers reimbursement for psychotherapy, you can attend sessions with me privately and then submit the relevant documentation to your insurer.
I provide documentation relating to your sessions and payments so that you can submit your reimbursement request according to your plan’s requirements.
You can schedule a free 30-minute online introductory conversation to learn more about my work and consider whether starting a therapeutic process together makes sense for you.
Schedule a first conversation