How Much Does Therapy Costs? | Psychologists iPractice

Bertien Dumas

Last medically reviewed by:
Anna Bigot 9 Apr 2024

In short

Psychological care is generally covered by the basic insurance
Care is insured with a referral letter from the GP and with an official diagnosis according to the DSM-5.
Without referral and diagnosis you are not eligible for reimbursement.
You get a referral letter through the GP, company doctor or specialist.
iPractice doesn’t offer reimbursement contracts in 2024 with Achmea and ENO.
Insured at Achmea or ENO? Expect to pay ~15-20% of the treatment cost.
Want to cover the costs of treatment yourself? Then above conditions do not apply.

Reimbursed care

Are you insured with one of the labels listed below?

a.s.r. (incl. Ditzo en De Amersfoortse);
CARESQ;
CZ (incl. OHRA, Nationale Nederlanden, JustCZ en CZdirect);
DSW (incl. InTwente en Stadholland);
EUCARE (incl. Aevitae);
Menzis (incl. Anderzorg, Hema en VinkVink);
ONVZ (incl. PNOzorg, VvAA en Jaaah);
VGZ (incl. IZA, UMC, Univé, Zekur, Bewuzt en IZZ);
Zorg & Zekerheid (incl. AZVZ).

Treatment at iPractice is fully reimbursed by these health insurance companies. You need a referral letter from the general practitioner, company doctor or medical specialist. For reimbursement there must also be a diagnosis according to the DSM-5. Our psychologists determine the diagnosis after the intake.

My care is fully reimbursed: how does this work?

If you are insured with an insurer with whom iPractice has a contract, you have a referral letter from your doctor and a diagnosis according to the DSM-5, your costs will be fully reimbursed by your health insurer. We send the bill of your treatment directly to your insurance company. You don’t have to do anything else.

Care without reimbursement

Are you insured with Achmea or ENO (or one of their labels De Friesland, Zilveren Kruis, FBTO, Interpolis, ProLife, Salland or ZorgDirect)?

iPractice does not have a contract with these insurers in 2024. This means that a large part of the costs will be reimbursed, but not the full amount. The co-payment with these insurers is about 30%. A deductible also applies with these insurers.

My care is not fully reimbursed: how does this work?

If you are insured with Achmea or ENO, we cannot send our bill directly to your health insurer. We send the invoice for our care to you.

You pay the invoices for your diagnostic and treatment contacts to iPractice. Each month, you receive an invoice for the previous month’s contacts. You can then claim these invoices from your insurer. They will pay you an amount from which the personal contribution (~30%) is deducted. Consult the website of your insurer how to claim your bills.

If you declare your bill on time, you can receive the amount from the insurer in your account around the same time as the payment period of our bills expires.

Deductible

All health insurance companies charge a deductible of (at least) € 385 per calendar year. This is determined by law. You pay this excess once in each calendar year, regardless of the care you received that year. If your care starts in a calendar year (for example, 2023) and continues into a subsequent year (for example, 2024), you will pay your deductible in each calendar year. So in this example, in both 2023 and 2024.

You pay deductible regardless of which insurer you are insured with.

Check with your insurer what arrangements you have made regarding your deductible. You can find more information on the government website.

Pay the treatment yourself

Is your treatment not reimbursed or are you not insured in the Netherlands?

Not all complaints and disorders are covered by the basic insurance. This is called uninsured care. You are not eligible for reimbursement under the basic insurance when you:

You do not have a referral from the general practitioner, company doctor or specialist.
Do have a referral, but no diagnosis according to the DSM-5.
Your symptoms fit in with:
- Adjustment disorders;
- Sleep disorders;
- Work and relationship problems;
- Burnout;
- Sexual complaints.

Does the care you need is uninsured care and you still want to start a treatment? We can still help you. In this case, the cost of treatment is at your own expense.

Foreign insurance

Are you not insured in the Netherlands? Your foreign insurance might cover the treatment. Please contact your own foreign insurance company.

We will send the invoices directly to you and you should pay these to us. We apply the same rates as for uninsured treatment (see below).

Costs

The costs depend on the duration and intensity of your treatment. Below you will find an indication of the costs;

Intake*: about € 350,- (without referral from your general practitioner)
Short trajectory (1-2 months): about €850,-
Medium trajectory (2-3 months): about €1750,-
Intense trajectory (3-5 months): about €2350,-
Additional and separate consultations: €160,- per consultation.

* The intake phase consists of 2 consultations: 1 with an online psychologist and 1 with a consultation room psychologist. Read more about the working method of iPractice.

The cost for a 45-minute online consultation via video call is the same as the cost for a 45-minute physical consultation.

For the chat contact iPractice charges 15 minutes; this is for the contact itself as well as the preparation and elaboration thereof. The duration of the actual contact can vary from week to week. We keep an average amount of time per week.

You can chat with us at any time that suits you. The time of our chat may not correspond exactly with the exact time of the chat contact on the invoice.

When will the costs be charged?

During the intake, our psychologists see if we can help you. The diagnosis is also determined then. With a referral from your GP, the intake phase is always reimbursed. Even if there is no diagnosis according to the DSM-5.

Cancellation

Our psychologists like to help as many people as possible. We ask that you only cancel an appointment in an extreme emergency. If you cancel, it is difficult for us to give that spot to someone else. By canceling as little as possible, we keep the waiting time for everyone as short as possible.

Therefore, we ask you the following:

If you cannot come to the practice, the appointment can always take place via video call connection;
If you also cannot meet with the psychologist via video call or over the phone, we ask that you cancel the appointment at least 72 hours before the appointment. We can then still try to give your spot to someone else;
If you cancel less than 72 hours before the appointment, we are forced to charge a no show fee of €65.-.

Will anything change for me in 2024?

The cost of healthcare has increased again in 2024. The NZa (Dutch Healthcare Authority) has determined that costs will increase by 6% in 2024. We pass on these higher costs in the price of our treatment.

I started a treatment in 2023 that continues into 2024, now what?

If you started treatment in 2023 you can of course continue and complete the treatment in 2024. Are you insured with a health insurer with whom we have a contract in 2024? Then you will not notice the higher costs of the treatment.

Are you insured with a health insurer with whom we do not have a contract in 2024? Then the consults in 2024 will be charged at the then current rate.

If you switch from a health insurer with whom we do not have a contract in 2023 to a health insurer with whom we do have a contract in 2024, your treatment contacts in 2024 will be fully reimbursed by your new health insurer.

Start therapy

Are you looking for professional help? Or are you unsure whether or not you need help? Talking can help.

Do you have questions about treatment at iPractice? Or are you unsure about when to see a psychologist? Have a free consultation with a psychologist through calling 085-5805346. Or contact us online for personal advice and a tailor-made treatment. Or read more about how to find a psychologist that you match with.
At iPractice we work with Blended Care. Which means that online support is interspersed with offline contact with a psychologist.
Our care is reimbursed by most of the insurers if you have a referral letter from the general practitioner, company doctor or medical specialist and if there is an established diagnosis according to the DSM-5.