1. Healthcare costs
Care at Mindler can be reimbursed by your basic insurance (Basis GGZ) or via your employer. Reimbursement via your health insurer is only possible with a valid referral and an established and reimbursed DSM-5 diagnosis.
We have contracts with many health insurers. In the event that we do not have a contract with your insurer, the insurer may ask you to pay a personal contribution in addition to your deductible. We take care of this personal contribution, so you don’t have to worry about that.
2. Insured Care
Treatment at Mindler is reimbursed by basic insurance.
Below you will find an overview of the health insurers with which Mindler has a contract/payment agreement and which are not contracted. In all cases you only pay your deductible. However, the declaration method is slightly different.
Is your insurer not listed or are you unsure whether the costs will be reimbursed? Please contact us at: email@example.com
Contracted / Payment Arrangement
Mindler sends the invoice directly to your insurer.
Do you still have a remaining “own risk?” Then you can expect an invoice from your insurer for this. You do not have to pay your own contribution.
You don’t have to do anything else!
Mindler sends you the invoice.
Submit the invoice to your insurer.
The insurer will send you the final statement with the amount they will reimburse and your remaining “own risk.”
The insurer pays the compensation to you.
Transfer the full reimbursement plus the potential remaining “own risk” to Mindler. Mindler will cover the personal contribution.
2.1 Contracted insurers
Mindler has a contract for 2022 with Achmea – Zilveren Kruis, ONVZ, DSW, ASR, ENO and Aevitae and all labels that fall under this. For 2023, Mindler now has (dated 24-11-2022) contracts with ONVZ, DSW, ENO and Aevitae.
Are you insured with another insurer? Then you will find here how the payment works.
If you are insured with a contracted insurer, we will send the bill directly to your insurer. You do not have to do anything further. Have you not yet used up your deductible for this year? Then the insurer will send you an invoice for this.
2.2 Non-contracted insurers
VGZ, CZ, Menzis, Zorg & Zekerheid and ENO have not concluded a contract with Mindler for 2022. Your care at Mindler will still be reimbursed, but for this you must submit the bill to your insurer. How this works is explained here. Mindler is responsible for the own contribution, we will continue to do this in 2023. We do this because we think it is extremely important that everyone, regardless of which health insurer you have, can start treatment under the same conditions. However, additional conditions may apply to get your care reimbursed. See 2.3 for this.
2.3 Additional requirements for health insurers
Some health insurers, with whom we have not entered into a contract, have decided to apply additional conditions for reimbursement of care. At the moment, this only applies to insured persons with [Zorg en Zekerheid].
For these insurers, you as a client are responsible for arranging all additional conditions. Unfortunately, this means that if there are additional conditions, there is a risk that you will have to pay for your care yourself. Do you have questions about this? Please contact your insurer first. If you are unable to find a solution, please contact firstname.lastname@example.org and we will help you further.
3.1 Compulsory deductible
All insurers in the Netherlands have an deductible of €385 per person. This means that everyone aged 18 and older must pay the first €385 of the insured healthcare costs themselves.
If you have not yet used all of your deductible this year, the costs of the treatment will be covered with this. This will be the maximum amount you will have to pay to cover the costs of your treatment. If your deductible has been used up, the other insured healthcare costs will be reimbursed by your insurer. Your deductible expires per calendar year.
3.2 Voluntary excess
It is possible to increase your deductible from €385 to a maximum of €885. If you have a voluntary excess, the health insurer will first deduct the treatment costs from your voluntary excess before taking over the treatment costs. We therefore recommend that you set your deductible to a minimum if you want to receive care from Mindler.
3.3 To whom do you pay your deductible
- If Mindler has a contract with your insurer, they pay us and you pay your deductible to the insurer.
- If you have received the invoice yourself, the insurer will deduct your deductible from the compensation they pay you, so you must transfer the deductible directly to us.
3.4 Questions about your deductible?
We cannot view your remaining deductible, for more information about this you can contact your health insurer.
4. Personal contribution
Do we not have a contract with your health insurer? Then your insurer only reimburses a certain percentage of the care provided. The remainder of the bill is also referred to as the ‘personal contribution’ or ‘non-imbursed’. Good news! Mindler takes care of these costs entirely. This means that you do not have to pay for this and therefore do not have to worry about it.
- You will receive a bill from Mindler for 500 euros.
- Your insurer reimburses 80%. This amounts to 400 euros.
- The personal contribution/unpaid care then amounts to 100 euros.
- Your insurer will then reimburse 400 euros*
With the exception of your deductible: This means that if you still had a deductible of 50 euros, the insurer will deduct this and pay you 350 euros. We only ask you to pay the insured part, which in this case is 400 euros.*
5. How does the invoice work?
5.1 What is on the invoice?
Your bill is split into different types of healthcare services. For treatment at Mindler you will see the following types of care performance:
- Diagnostic consultations (including the intake interview and the advisory interview)
- Treatment consultations (including the treatment sessions, messages about your treatment and feedback on homework assignments)
The rates for these services depend on the profession of your practitioner and the duration of the consultation.
In the overview on your invoice you can see exactly what we have charged. Sometimes a consultation may have lasted a little longer or shorter than stated on the overview of your insurer. This is because it is based on the time that was scheduled.
The costs for a 30-minute consultation (including the time for reporting and other administration) are between €62.00 and €125.00. We will declare the nationally determined rate per consultation, the NZA rate.
From 2023, the NZa has set the rates based on the time that the practitioner spends directly, i.e. together with the patient. This is new: previously all time, including the time of administration, keeping the file, collegial consultation, etc., could be charged.
The NZa has included this indirect time in the new rates, which means that they are now much higher. But in fact the costs amount to the same as in previous years.
5.3 How do I claim from the insurer
If you have received an invoice, you can declare it yourself at your insurer. You can easily declare this online on your personal insurance page. As soon as the insurer has processed the invoice, they will inform you (via their claims page) how much is insured and what they reimburse. You only have to pay us the insured part. This comes down to what the insurer pays you plus your “deductible”; you do not have to pay the non-insured part, the “personal contribution.”
5.4 My insurer rejected my invoice, what do I do?
As long as we have processed your referral letter before you have started your treatment, your health insurer is obliged to reimburse the bill. It does not matter which insurer you are affiliated with. If you do receive a rejected invoice, please email email@example.com. In this case, please specify:
- The invoice number
- The reason why your insurer rejected the bill
We will then help you to solve this.
6. When can you expect the invoice?
We aim to send invoices within 3 months after your appointment.* You then have 30 days to submit the invoice to your insurer and to transfer the reimbursed amount to us. This can be sent to NL52INGB0009533796 in the name of Mindler, stating your invoice number.
If we invoice directly to your health insurer, you do not have to do anything else. The term in which you receive the bill may be slightly longer.
Please note: Therefore you will also receive invoices during your treatment.
*The way of invoicing has changed as of January 1, 2022. Due to this major change, many invoices from last year have been delayed, so you may receive the invoices for 2022 later than you are used to from us.
7. Insured with a foreign insurer
If you are insured abroad, but would like to receive treatment at Mindler, we ask you to agree to have the bill sent to you directly. You usually pay for the treatment yourself and can then submit the bill to your foreign insurer. The costs depend on the type and duration of the treatment. You do need at least a permanent Dutch home and residence address for this. Do you want more information about this? Please contact firstname.lastname@example.org.
8. Treatment from your employer
Some employers have entered into contracts with us to pay your bill. In this case, the invoice for the treatment will be sent to your employer. In that case, the payment is completely outside of your control. The information about insured care as described above is then not applicable.
9. No show, cancel appointment
If you have entered into a treatment relationship with Mindler, we assume that you are motivated and therefore also appear at your sessions, just like your therapist. Of course, something can always happen that prevents that from happening. You can cancel your session in the app up to 24 hours in advance. If you do this shorter in advance, we are forced to charge the costs incurred*.
No show rates
Diagnostiek/Consult – 30 min | €60,00
Diagnostiek/Consult – 15 min | €40,00
*As of 01-01-2023. Different conditions apply to B2B.
10. Payment reminders and collection
10.1 Payment Reminder
After you have received the invoice from us, we expect your payment within 30 days. Have we not received anything yet? Then we will send you a first reminder. If we have not received anything after the first reminder, you will receive a second reminder. This is your last chance to pay the invoice within 30 days.
10.2 Transfer to the collection agency
After the second reminder, unfortunately we are forced to hand over the invoice to the collection agency.
Please note: When your invoice is handed over to the collection agency, legal collection costs will be charged of a maximum of 15% of the invoice amount with a minimum amount of € 40 excluding VAT. (see Article 6:96 of the Dutch Civil Code).
10.3 I cannot pay my deductible. What should I do?
Can you not afford to pay for your deductible? In certain cases we can draw up a payment arrangement for the deductible. Please contact us at email@example.com.
Do you have other questions about your invoice? Mail us at firstname.lastname@example.org. We’re happy to help.