ACA Blog

Deb Legge
Nov 29, 2010

Getting Your Private Practice On Insurance Panels

I recently put out a call for questions about Private Practice and I’ve gotten quite a response! Jeffrey Freiden, admin for the American Counseling Association FaceBook Page (check it out, it’s a great resource) suggested two topics for people in Private Practice. Today I’ll tackle the first one (which as it turns out, is a good follow-up for my last ACA blog post). Once you decide that you would like to be on insurance panels and accept third-party payment for services, the next step is to get that ball rolling. That is the point where many folks put it on the “to do” list, along with the other things that seem too darn complicated. And there it sits.

There is no doubt that getting yourself on insurance panels can take some time and effort, but it does not need to be complicated. The thing I suggest my clients do first, is to pull together all of the information they will need (over and over again) when making application to each of the insurance companies. You’ll need copies of: your license and registration (or their equivalent, depending on the state you are in), your malpractice insurance binder, your degree (for some), and a copy of your resume.

If you haven’t done so already, this is a great time for you to go online (http://www.irs.gov/businesses/small/article/0,,id=102767,00.html) and get a federal Tax Identification number. Otherwise, everything will be referenced by your social security number. Even if you are not going to take insurance, you’ll want a Tax ID number to put on your “super bill” should a client request one (you certainly don’t want to have to release your social security number to your clients).

Some insurance companies will provide a W-9 form (to use when they send you a 1099 form for your taxes each year) to complete and sign, but some will ask you to provide them with a W-9 of your own. You can find the blank form on the IRS website http://www.irs.gov/pub/irs-pdf/fw9.pdf?portlet=3 . Just complete it and make several copies for your records. You can sign and date them whenever you need one to include in your applications to insurance companies.

Now is probably a very good time to enroll with CAQH. Essentially, CAQH is a resource that insurance companies use to access your up-to-date information for purposes of putting you on their panels or renewing your provider status when required. Some insurance companies require that you register with CAQH as that is the ONLY way they will renew your provider status. You can do this on your own http://www.caqh.org/ucd_physician_register.php , or with the help of a Private Practice Mentor or Practice Management Professional. CAQH is a blog topic in and of itself. Suffice it to say that it is something you should pursue if you plan to be on insurance panels.

Once you have a folder of the items you will need for your insurance company applications, it is time to determine which panels you would like to pursue. I usually encourage my clients to start by finding out which insurance companies are most prevalent in their practice location. Which HMOs, private insurance companies, and national insurance companies are insuring your (potential/existing) clients? Once you have that list, you have a decision to make…

Will you take your time to pursue the insurance applications, or will you hire someone to do it for you? Some of my clients want to be hands-on with every step; others ask me for a name of a local company that provides Private Practice Management support – they charge only $75 per insurance company application and they will follow through and do it all for you. They will even do the market survey for you and provide a list of insurance companies that are most appropriate for your practice location.

If you decide to do it on your own, now is the time to go to each of the insurance company websites and download the appropriate provider applications. There are still a few companies that don’t have downloadable forms, but you can find the contact information for “provider relations” and request an application directly from them.

Then, simply fill out the application and be sure to sign in the appropriate areas. You will have to include the additional items required by the specific company, but since you have your folder of your items handy, it is just a matter of copying what you need and including them with your application. You’ll probably want to photocopy the completed application before you send it in; put it in a folder for easy follow up in 4-6 weeks.

There are certainly many related items that almost always come up in my coaching sessions. Things like accepting and/or negotiating fee schedules, billing procedures, authorizations, and other required paperwork are all just part of getting on board with the insurance companies. Once you get on panel, these are things you’ll need to know and understand to maximize your chances for uninterrupted reimbursement. You can do this with the help of the “provider relations” specialists with each of the insurance companies, or by working with a Private Practice mentor.

Well, that’s the quick and dirty description of the process of getting on insurance panels. Good luck to you!



Deborah Legge is a counselor, an assistant professor, specializes in coaching counselors in private practice, and is the founder of InfluentialTherapist.com

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