We don’t have contracts with insurance companies. This has its benefits and its downsides. One of the main benefits is that we don’t have a wait list.
It also enables us to better protect your privacy. The downside is that most insurances don’t completely cover your treatment. This means that you might need to pay a part of the treatment yourself. The amount of this own contribution differs per insurance company, policy, and the specific treatment you get.
Information about insurance
You can find more information about the own contribution below. This amount depends on the type of your insurance policy. You can find out what policy you have on the online environment of your insurer. Note, the type of basic insurance decides how much your insurer covers. Additional insurance packages don’t influence the amount of your own contribution.
Our rates are conform the Wmg-rates, as indicated by the Dutch Healthcare Authority (NZA)
As of 1 January 2022, the way of financing in Mental Health Care will change. The financing of healthcare will be called the Zorgprestatiemodel (Care Performance Model). This will influence the payment of your Statutory deductible (eigen risico). Read here what these changes will mean for you.
Natura policy – an own contribution.
If you have a natura policy, a budget policy, or a combination policy, your insurer covers about 60 to 80% of the treatment.
This means you have to pay an own contribution for the remaining 20 to 40%. On average, this amounts to about €950.
To have a clearer idea of how much you have to pay, you can take a look at this overview. This overview is valid for your insurance in 2021. An overview for 2022 will be available soon. Note that the exact amount of the own contribution depends on the specific treatment that you get. We only know this once your treatment is finished. Thus, we only know the exact amount of the own contribution afterwards.
Restitution policy – no own contribution
If you have a restitution policy, your insurer covers the full treatment, regardless of whether your insurer has a contract with us. So, if you have a restitution policy, your full treatment at Oh My Mood will be covered, and you do not have to pay an own contribution. You can find an overview here of all restitution policies per insurer for 2022.
OHRA, Nationale Nederlanden, and Zorg and Zekerheid do not offer a restitution policy in 2022.
Note: your mandatory excess is separate from your own contribution!
Regardless of your insurance company or policy, you will have to pay your mandatory excess (also known as “deductible”, or “eigen risico” in Dutch). The mandatory excess is at least €385 for everyone, unless you have opted for a higher mandatory excess, or if you have already used your mandatory excess this year. You can find the height of your mandatory excess in the online environment of your insurance company.
Are you unable to pay the own contribution?
If you are financially tight and feel like you cannot pay this amount, please let us know. We are happy to discuss possible solutions. So, make sure to still schedule an introduction call.
Do you not want a reimbursement from your insurance company?
Some people prefer to pay for the treatment themselves, without a reimbursement from the insurance company. Ths is possible. In that case, you do not need to have a referral letter. The total costs depend on the type and duration of the treatment. On average, you can expect the costs to lie between €1500 en de €2800.
No-Show Rates – Sometimes you may not be able to come to an appointment. If this happens, call us and let us know by phoning us on +31 85 808 8116.
You can cancel your appointment free of charge for up to 24 hours before you are scheduled in. If you do not do this, unfortunately we are forced to charge €40. You will also receive an email to schedule a new appointment