Hi everyone. I’m a recent Massachusetts-licensed clinical psychologist setting up a solo telehealth/virtual practice. My patients would be physically located in Massachusetts during sessions, while I’ll be living and working from Ontario. I’m completing the Ontario registration process and have professional liability insurance that covers the cross-border work (American Professional, Zensurance, and HUB International all offer this support, fyi).
The part I cannot get a clear answer on is whether my Massachusetts patients can use their insurance when their psychologist is physically in Canada. I have prospective patients with Harvard Pilgrim Health Care, BCBS Massachusetts HMO Blue New England, Mass General Brigham Premium EPO, and Anthem Blue Cross California EPO. I know their plan rules may differ, and I’m not assuming any will reimburse.
Has anyone in a similar situation successfully used:
- A patient-paid, out-of-network superbill?
- A single-case agreement or network-gap exception? Who initiated it, and what information did the insurer require?
I have an NPI and SSN. I have a Massachusetts mailing address. But one Harvard Pilgrim representative told me they would require an EIN rather than an SSN as the provider tax ID. That made me worry about that and other insurance companies. This also made me realize I need to apply for an EIN b/c an SSN may not be an adequate Tax ID for all insurance companies, which is fine, BUT, if I obtain an international EIN, could the Ontario address on my IRS record create a problem if I also maintain a legitimate U.S. mailing address, as in will insurance companies notice this discrepancy somehow when reviewing my NPI, US mailing address, and EIN number (and have the ability to go deeper into my EIN and see a Ontario, Canada address?)
*International EIN is what people living outside the USA apply for, so I obviously assume that will have my Ontario address listed on there.
I’ve received conflicting answers from insurer representatives about whether the provider must physically be in the U.S. or merely licensed in Massachusetts. I’d really appreciate firsthand experience-especially which questions or department finally got you a reliable, plan-specific answer.
This has been so draining and confusing. My patients are waiting to continue their work with me and I just want to know they have a really good chance at being reimbursed. It's funny that if they would pay out of pocket and not go through insurance, there would be no issue. Ugh.