Praktijk voor Psychologie has contracts with most health insurance companies. There are a few health insurance companies, that do not have a contract with Praktijk voor Psychologie.
What does this mean for you?
Praktijk voor Psychologie has a contract with your Health Insurance Company:
If you are insured with a health insurance company where Praktijk voor Psychologie has a contract, the treatment will be fully reimbursed and directly billed to your health insurance. For the Generalistische Basis GGZ (GBGGZ; General Basic Care), the mandatory contribution is € 385, – per year for everybody.
Dependent of the contract conditions of the health insurance company the prices can differ. However, they will never be higher then the maximum determined prices of the NZa (Nederlandse Zorgautoriteit)
In the table below is noted how a “zorgzwaarteproduct” is made up. A consult is made up of a number of direct and indirect contact minutes (like reports or consultation).
|Prestatie||Omschrijving||Maximum duur||Maximum NZA tarief|
|Basis GGZ Kort (BK) (180001)||Lichte DSM stoornissen||294 minuten||€ 507,62|
|Basis GGZ Middel (BM)(180002)||Matige DSM stoornissen||495 minuten||€ 864,92|
|Basis GGZ Intensief (BI)(180003)||Ernstige DSM stoornissen||752 minuten||€ 1.356,25|
|Basis GGZ Chronisch (BC)(180004)||Chronische stabiele stoornissen||750 minuten||€ 1.251,70|
|Onvolledig behandeltraject (180005)||Onjuiste verwijzingen||120 minuten||€ 207.19|
These prices apply for clients with a health insurance company whom Praktijk voor Psychologie has no contract with. In case Praktijk voor Psychologie does have a contract with the health insurance company prices can differ.
OBT (Onvolledig Behandeltraject)
In case there is no Diagnostical Statistical manual-5 disorder (DSM-5), the treatment will be discontinued and the consult OBT (onvolledig behandeltraject) will be invoiced. You are given options for other treatment and are adviced to contact your GP. He might, when required, refer you to Specialized Mental Health Care (SGGZ) or help from the POH-GGZ (Practice nurse).
Changes of “zorgvraagzwaarteprestatie” during a treatment
When, during treatment is concluded that your “zorgvraagzwaarte” has to been changed, different from the start of the treatment, only the last agreed “zorgzwaarteprestatie” will be invoiced (table 1).
Health insurers reimburse only when a treatment has taken place. Are you suddenly prevented from coming? Phone or mail at least 24-hours in advance to the practice. Appointments that are not canceled in time or are not complied with, will be charged at the full rate of € 95.00 per consultation.
Note that you must pay within two weeks after which default occurs without warning.
Praktijk voor Psychologie does not have a contract with your Health Insurance Company:
Praktijk voor Psychologie works with psychologists officially registered in the BIG-register (GZ- psychologen). GZ-Psychologen comply with all the legal requirements of healthcare insurances.
If you have a zuivere restitutiepolis with your Health Insurance Company, your treatment will be reimbursed for 100%. If you have a naturapolis, you will be compensated for a certain percentage, but this will vary per health insurance. Your health insurance company will compensate at least 65% and up to 100% of the cost of your treatment. The exact reimbursement depends on the insurance package deal that you have. For the GBGGZ, the mandatory contribution of € 385, – is also required.
Please check with your health insurance.
If Praktijk voor Psychologie does not have a contract with your health insurance, the fee will be paid in the following way: Praktijk voor Psychologie will send you an invoice (prepay note) per session, which you pay yourself to Praktijk voor Psychologie. These costs will not be immediately refunded by your health insurance company. At the end of the treatment you will receive a total invoice with possibly a last settlement that you still need to pay to Praktijk voor Psychologie. The total invoice can then be submitted to your health insurance company.
With the following health insurance companies there are contracts:
- Zilveren Kruis (Zilveren Kruis, Pro Life, OZF, Interpolis, FBTO, Avero Achmea, Volmacht Caresco/Nedasco, Volmacht IAK, Volmacht Aevitea)
- De Friesland (Klemer)
- DSW / ASR (Stad Holland, InTwente, DSW RMA / Amersfoortse, Ditzo, Aevitae)
- VRZ Zorginkoop (ONVZ Zorgverzekeraar, VvAA Zorgverzekering, PNO Zorg, Salland (Eno), Hollandzorg (Eno), Zorgdirect (Eno), OWM Zorg & Zekerheid U.A.)
- VGZ-Groep (VGZ Zorgverzekeraar: Label VGZ, Label Bewuzt, Label MVJP, Volmacht Aevitae; VGZ voor de zorg NV: Label IZZ; IZA Zorgverzekeraar NV: Label IZA; NV Zorgverzekeraar UMC: Label UMC; NV VGZ Cares: Volmacht Aevitae (NV VGZ Cares), Volmacht Caresco (NC VGZ Cares; Unive Zorg: Label Unive, Label SZVK, Label Zekur, Label Zorgz. Verz.)
- CZ-Groep (OWM Central Zorgverzekeraars Groep Zorgverzekeraar UA, OWM Central Zorgverzekeraars Groep Aanvul. Zorgverzekeraar UA, CZ, OHRA Zorgverzekering, OHRA Ziektekosten, Delta Lloyd)
With the following health insurance companies there are no contracts:
- Menzis-groep (Menzis, Anderzorg)
- Caresq (Promovendum, Besured, National Academic)
Why Praktijk voor Psychologie does not form a contract with Menzis and Caresq:
The health insurance companies Menzis Group and Caresq apply unreasonable rules and obligations and impose unreasonable restrictions on healthcare providers that they have contracts with. This results in very poor turnover limits and unreasonable (normative) hourly rates. Praktijk voor Psychologie has decided not to form contracts with these health insurance companies. This is also a statement from Praktijk voor Psychologie to indicate that health insurance companies in the Netherlands have far too much power.
Step-by-step unpaid care:
There are several reasons not to ask reimbursement from your insurance:
- Not insured medical treatment belongs to the rules and prices of the “overig product (OVP). “It concerns the treatment or advise which is not compensated by the insurance company. Some additional insurance might offer a reimbursement, however you can check this in advance with your insurance company.
For example, adjustment disorders, work- and relationship problems, and some other disorders of insured mental health care are excluded. For those treatment you have to pay yourself.
Some clients do not feel comfortable sharing information with their health insurance about their psychological well-being. In that case, you may choose not to use reimbursement and pay us per session.
- Finally, at the end of a BGGZ course, you may still need more psychological care. In that case, it is also possible to schedule additional sessions. These sessions can be paid per session.
In the case of an OVP the rate is € 95,-. If you decide not to ask reimbursement from your insurance company you will receive an invoice from Praktijk voor Psychologie after every session. Per session you will receive an invoice for € 95,00. A session/consult is made up of 45 minutes of direct and 15 minutes of indirect contact minutes.
Besides a full session there are also the following possibilities:
- Half consult (max. 25 minutes direct contact): €47,50
- A telephone consult (max. 10 minutes): €23,75
For companies or ZZPs, it might be important to know that the costs can be described as coaching and can thus be invoiced as operating costs. Meaning VAT up the above mentioned rate.
There are certain disorders that may have a psychological character, but they are not reimbursed by the basic or specialist GGZ. Compensation for this may sometimes be possible through supplementary health insurance (alternative medicine or supplementary psychological care). So, please check the budget for alternative care that you have available from your health insurance.