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How Much Does Therapy Cost?


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 2023 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.

Does my Health Insurance Policy Cover The Treatment Cost?

Most insurers reimburse the cost of care at iPractice. You do need a referral letter from the general practitioner or medical specialist and a diagnosis that qualifies for reimbursement. Achmea and ENO reimburse the majority of the cost of care at iPractice.


How do I get a referral?

You get a referral through the general practitioner, company doctor or specialist. Explain your symptoms and they will decide if a treatment at iPractice can help you.


Insurance companies eligible for reimbursement 

Your treatment will be reimbursed if you are with one of the following insurers:

  • a.s.r. (incl. Ditzo and De Amersfoortse)
  • 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)


If you meet the above conditions, these insurers will reimburse our care. We send the invoice for your treatment directly to your health insurance company. You don’t have to do anything. 


Insurers without reimbursement

If you have health insurance with Achmea (De Friesland, Zilveren Kruis, FBTO, Interpolis, ProLife) or ENO (Salland and ZorgDirect), not all costs are reimbursed. Treatment at iPractice is still possible. However you do need to be aware that you need to pay ~15-20% of costs yourself. The amount differs and depends on your insurance conditions. Please check with your healthcare insurer.


Deductible Costs

All health insurance companies charge a deductible of (at least) € 385 per calendar year. You pay this deductible once in each calendar year, regardless of the care you will receive that year. If your treatment 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 both 2023 and 2024.

Check with your insurer what arrangement you have made regarding deductible. You can find more information on the website of Rijksoverheid.


Care without reimbursement

Not all symptoms and disorders are covered by standard health insurance. This is called care without reimbursement. You are not eligible for reimbursement in the basic insurance when you:

  • Do not have a referral from the general practitioner, company doctor or specialist.
  • You have a referral, but no appropriate diagnosis.
  • Experience one of the following symptoms:
    • Adjustment disorders
    • Work and relationship problems
    • Burnout


How do conditions apply during an intake phase?

During the intake the diagnosis is determined. With a referral from your general practitioner the intake phase is always reimbursed, even if there is no diagnosis according to the DSM-5. Do you want to start a treatment? If the treatment is not covered by the basic health insurance. You can choose to pay for the treatment yourself.


Pay the treatment yourself

You can also see a psychologist without a referral letter or appropriate diagnosis. Your insurance company won’t reimburse costs; however you can also choose to pay for the treatment yourself.


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

  • Intake*: about € 325,- (without referral from your general practitioner)
  • Short trajectory (1-2 months): about € 875,-
  • Medium trajectory (2-3 months): about € 1500,-
  • Intense trajectory (3-5 months): about € 2175,-

* The intake phase consists of 2 interviews: one with an online psychologist and one with a consultation room psychologist. Read more about iPractice’s methods.


Are you insured with Achmea or ENO? Approximately 70-80% of the treatment costs of iPractice are reimbursed. iPractice sends you an invoice for the number of consults you received that month. You can use this invoice to get reimbursement from your insurer. Achmea and ENO will deduct co-payment in their reimbursement to you.


Additional and separate consults

Additional and separate consultations with an iPractice psychologist are €150 per consultation.


Online & consulting room consults

The costs for a 45-minute online consultation is the same as the costs for a 45-minute physical consultation. 

For chat contact iPractice charges 15 minutes; this is for the contact itself as well as the preparation and elaboration. The duration of the actual contact can vary from week to week. We use 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 be the exact same time of the contact time on the invoice. 


Cancellation fee

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

If you really can’t come to your appointment, we would like to ask the following:

  • If you cannot come to the practice, you can always do the appointment digitally;
  • If you also cannot meet with the psychologist via video call or over the phone, we ask to cancel the appointment at least 2 business days before the appointment;
  • If you cancel less than 2 business days before the appointment, we will charge a no show fee of €60.



Start Therapy

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

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    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.

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    At iPractice we work with Blended Care. Which means that online support is interspersed with offline contact with a psychologist.

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    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.

publish-icon Published - 23 Sep 2021
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Online Psychologist Anna Bigot

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