Health insurance with a contract

In 2023, the Huis voor Schematherapie has contracts with these health insurance companies: VGZ, Unive, Zekur, IZA Cure, United Consumers, Bewuzt, Promovendum, de Goudse verzekeringen, UMC, DSW, Stad Holland, In Twente, ASR, De Amersfoortse, Ditzo, CZ, Nationale Nederlanden, Delta Lloyd, Ohra, Just and CZ Direct. This means that the invoice for your treatment at the Huis voor Schematherapie is sent directly to your insurance company, who will only charge you for any outstanding part of your excess (eigen risico).

Health insurance without a contract

For all other health insurance companies, the Huis voor Schematherapie provides non-contracted healthcare in 2023. This means that it is important for you to check what type of insurance policy you have. The reimbursement you receive for your mental healthcare (GGZ) treatment depends on that policy and may vary quite a bit.
Non-contracted healthcare also means that invoices for your treatment at the House will be sent to you directly. After that, you yourself are responsible for submitting the invoice to your insurance company.

The second variety is called a combination policy. Such a policy states that “We reimburse 100% of the average rate stated in our contract”. This ‘average contracted rate’ is lower than the NZA rate, and varies per insurance company. This means that part of the costs of your treatment at the Huis voor Schematherapie is not covered and will be charged to you directly.

The third type of insurance is called the in-kind policy. These policies have lower rates, which also vary per insurance company. As a result, the percentage of costs that is covered varies between 60% and 80%. The rest is charged to you directly.

In order to know how high your reimbursement will be, it is best to check with your own health insurance company. The type of policy you have is indicated on the printed copy of that policy. It also states the amount of your excess. The reason for this is that the costs of your outstanding excess are charged on top of the costs that are not covered by your policy.

And finally, there are a few health insurance companies, such as EUcare, that only cover non-contract healthcare treatment if you ask for permission beforehand.

Advice 

There is quite a bit of money involved and it’s quite complicated, especially if you are receiving healthcare from multiple organisations. This is why we advise you to get in touch with your health insurance company and to ask for the following information:

I am considering treatment at the Huis voor Schematherapie.

1. What type of reimbursement do you provide, as part of my current policy, for treatment at the Huis voor Schematherapie.
2. Do I need to ask for permission for my treatment?
3. If so, how do I do this?
4. Are there any additional requirements and conditions, such as a maximum number of sessions?
5. (when calling us:) Can I receive this information in writing? And can I note down the name of the person I spoke with?

Based on this advice, as well as any other healthcare expenses you may have, you can decide whether it would be useful for you to switch between policies or insurance companies. You can do this up to the 31st of December of any calendar year. Unfortunately, we cannot offer any advice on this, since we cannot oversee the consequences this would have for any other types of healthcare you receive.

We have some more information to offer about health insurance companies. Click here if you want to read it.

 

The invoice

According to the Dutch healthcare performance model (Zorgprestatiemodel), reimbursements for mental healthcare treatments are based on the principle ‘planning = realisation’. In other words, you can assume that the scheduled time will actually be used for your treatment.
The healthcare performance model means that the rates for a session vary per the professional group, the setting, the duration and the nature of that session. This is all specified on your invoice. Any more time the healthcare professional spends on your treatment, for example on reporting, telephone calls and consultation, is included in those rates. In the chart below, you will find a number of examples of rates, as set out by the Dutch Healthcare Authority (Nederlandse Zorgautoriteit or NZa). We do not determine these rates ourselves.

If you want to view all rates, please click on “Tariefsbeschikking” (rate decision) on this page: Zorgprestatiemodel rates (page is in Dutch)

 

 

Therapist	Session	Duration	Setting	Rate
Clinical psychologist	Treatment	60 minutes	Mono-disciplinary	309.62 euros
Psychiatrist	Treatment	60 minutes	Mono-disciplinary	382.19 euros
GZ psychologist	Treatment	60 minutes	Mono-disciplinary	204.19 euros
Psychotherapist	Treatment	60 minutes	Mono-disciplinary	229.84 euros
GZ psychologist	Treatment	60 minutes	Multi-disciplinary	228.64 euros
Other occupations	Treatment	60 minutes	Multi-disciplinary	202.05 euros

 

In case of non-contract health insurance providers, the Huis voor Schematherapie uses the abovementioned rates. You health insurance will reimburse a percentage of this, as set out in your policy. Please check this with your insurance provider. At the start of any trajectory – after the intake – we try to make an estimate together with you about the duration and the eventual costs, so that you know what to expect in general.

For example: let’s say you have an in-kind policy that covers 70% of the charges, and you have had a one-hour meeting with a psychotherapist (at 229.84 euros, see chart). Then your reimbursement will be 160.88 euros, and you will have to pay 68.69 euros per session yourself. If you have such a session every week, this adds up quickly. So it is good to know what you are looking at. In case you have a full-restitution policy, the full amount will be reimbursed and these extra charges will not apply to you. Such a policy costs a few euros more per month. Based on the amounts in the chart, plus any additional healthcare costs, you can make an estimate yourself whether this is the right choice for you.

Contracted insurance companies reimburse us directly for a percentage of this rate. If this is the case, you will notice amounts on your invoice that deviate from the amounts stated in the chart. Your insurance company pays this invoice to the Huis voor Schematherapie.

Your registration, and what comes next

Following the registration on the website, we will schedule your first appointment. This will be a video call through our secure portal, which will take up 30 minutes. One of our clinical psychologists will discuss with your whether treatment at the Huis voor Schematherapie is indeed your best option. The clinical psychologist will file a report of that meeting directly and prepare some documents for you. This is the beginning of the intake procedure.
If you come to the decision that treatment somewhere else will suit you better, than we will set up a report with our conclusions and we will provide a referral advice, so that you can carry on with your request for help in a focused way.

The charge for this first meeting is 157.79 euros. We always charge this, even if the registration does not lead to treatment with us. In case of non-contracted healthcare, you will receive an invoice directly.
We do this because we think an introduction meeting is important. You avoid ‘standing on the wrong line’, and it helps you to make a solid, conscious decision about such an intense therapy as schema therapy.

Click here to read more about our work methods.

Tax deduction

What’s also good to know: Any healthcare charges that are not covered by your insurance, may be eligible for tax deduction on your income via the Dutch Tax and Customs Service (Belastingdienst). Make sure you check with the Tax Service to see if this is the case.

More information

Since the differences in costs may vary quite a bit, it is important that you look into this properly. Please call your health insurance company for more information. Look on the internet for ‘zorgverzekering’ to reach comparison websites and other useful information.

We are MIND: check your health care insurance policy 2023 (page is in Dutch) MIND focuses on the representation of interests in case of psychological problems and offers solid and independent information.

www.belastingdienst.nl (page is in Dutch) offers information about deducting healthcare charges.

Zorgprestatiemodel (page is in Dutch): Communication for patients (page is in Dutch) provides more information about the healthcare performance model.

Healthcare insurance companies (page is in Dutch): Overview  here you can see which health insurance companies are connected to each other.