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Kelly Little, LMFT

Kelly Little, LMFTKelly Little, LMFTKelly Little, LMFT

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    • Home
    • Services
    • FAQS
    • About
    • Contact
    • Insurance
    • Current Clients

Pronouns (she/her/hers)

Kelly Little, LMFT

Kelly Little, LMFTKelly Little, LMFTKelly Little, LMFT
  • Home
  • Services
  • FAQS
  • About
  • Contact
  • Insurance
  • Current Clients

In Network with most plans through: Aetna Cigna/Evernorth HealthNet Optum/UHC

Important Information when using Insurance Benefits

Understanding Medical Necessity

Private practice therapy, considered outpatient mental health care, is the least intensive treatment level. Sessions are 55 minutes, held in an office or via HIPAA-compliant Telehealth through Zoom. 


Medical necessity is required for both self-pay and insurance-covered therapy. Clearly identifying and documenting treatment needs is crucial for reimbursement or utilizing plan benefits.


Insurance defines medical necessity as meeting criteria for a covered mental health diagnosis with symptoms present during service and experiencing or at risk of an impact in social, occupational, educational, or family roles.


Please verify if your provider is 'In-Network' with your insurance plan. You're responsible for payments if insurance coverage lapses or claims are denied. Late cancellation or no show fees are not covered by insurance and will be charged accordingly.

A reminder of mental health & wellness being important for daily practice.

Using OON Benefits

When utilizing out-of-network (OON) benefits, clients cover service costs upfront & may seek reimbursement by submitting a Super-bill to their insurance provider. Super-bills facilitate reimbursement from your insurance provider, but it's important to note that it may not guarantee full reimbursement.


 Please reach out to your insurance provider to clarify your out-of-network benefits, including deductible requirements, prior to start of treatment.

Additional Information

Please remember to regularly review your insurance benefits to ensure availability for services. It is the client's responsibility to verify the accuracy of their benefit information and disclose any lapses or changes in coverage as well as multiple insurance policies, identifying the primary one.


A complimentary 15-minute consultation is available to assess your therapy needs, establish compatibility for collaboration, and guide you through the process of initiating therapy and booking your initial session.


Please note that I am not a Medicare provider or a provider for Anthem/Blue Cross.

Kelly Little, LMFT

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