Does my insurance cover my sessions ?
If you are insured in Germany, there are multiple ways to get your sessions partially or fully covered by your health insurance provider:
1- If you have a private insurance "Privatversicherung" which covers it.
2- Subscribing to a "Heilpraktiker Zusatzversicherung" which covers it. (between 8 - 30€/month)
3- If you can attest that no refunded Psychologischer Psychotherapeut can see you soon in your area while you have an urgent need for psychotherapy.
4- Deduct it from your taxes.
The best way to be sure is to call your insurance provider and ask them directly about it. "Do you refund psychotherapy by a "Heilpraktiker für Psychotherapie". In which conditions and how much ?"
Here are the lists of potential german health care prodivers covering psychotherapy by a Heilpraktiker für Psychotherapie:
In any case, we recommend you call your insurance provider directly to ask them specifically if they refund "Psychotherapie bei einem Heilpraktiker eingeschränkt für Psychotherapie".
Deduct it from your taxes:
In Germany, whether you are an employee, an independant worker or an entrepreneur, you can deduct any health-related fees you paid out of pocket from your yearly taxes as "außergewöhnliche Belastung":
Employees: as your taxes are automatically deducted from your salary, you do not need to fill in a "Steuererklärung" online every year. But if you do, you can declare your health-related spendings and more on it, for which you can get a refund.
As "Freiberufler" or entrepreneurs, you are obligated to fill in your "Steuererklärung" every year. In it, you can declare your health-related spendings and more, which will be accounted for in your yearly tax return, and for which you can get a refund.
Best is to ask a "Steuerberater" where and how to declare those spendings in your tax declaration.
The regular public health insurance "Sécurité sociale" doesn't refund sessions by a psychotherapist or a psychologist.
Some private extra insurances "Mutuelles" can refund a certain amount of sessions per year. As each "mutuelle" has a different policy, check in your contract or call them to know much you're entitled to.
The ones covering the most sessions per year are : Cegema, April, Apicil, Macif...
If you have any additionnal question, feel free to ask.