All about insured care
Insured care
To qualify for treatment in the GGZ, a referral from the general practitioner is required. A distinction is made between Generalistic Basic Mental Health Care and Specialized Mental Health Care. The general practitioner can refer to the GGZ if there is a suspicion of a mental disorder, such as an anxiety disorder or depression. If there is insured care, the costs are reimbursed from the basic health insurance package.
Care Performance Model
On Jan. 1, 2022, the care delivery model was implemented. You can read more information in this leaflet.
Generalist basic mental health care
The Generalistic Basis GGZ is intended for people with mild to moderately severe mental disorders. In the Care Performance Model, this involves care demand types 1 to 4. A treatment is short-term (about 5 to 12 conversations). After the intake it is determined which type of care request will appear on the invoice. This depends on the severity of your complaints.
The amount of the reimbursement depends on the health insurance policy (natura or restitution policy) and whether the practitioner has a contract with the health insurance company.
If you do not want the health insurance company to receive information about the care demand type, it is important to indicate this during the first consultation. With some paperwork, this can be arranged.
Mandatory deductible
In 2025, the mandatory deductible is €385. This means that in any case you have to pay €385,- yourself for care included in the basic package. This also applies to psychological treatments and will be settled with you by the health insurance company. You pay the excess every year.
Specialized mental health care
Specialized mental health care is for people with moderately severe to severe mental disorders. Often the problems are long-term and complex. In the Care Performance Model, this involves care demand types 5 to 8. Treatment is usually long-term. After the intake it is determined which type of care request will appear on the invoice. This depends on the severity of your symptoms. The amount of reimbursement depends on the health insurance policy (natura or restitution policy). There is no co-payment.
If you do not want the health insurance company to receive information about the type of care you require, it is important to indicate this during the first consultation. This can be arranged with some paperwork.
The amount of the reimbursement depends on the health insurance policy (natura or restitution policy) and whether the practitioner has a contract with the health insurance company.
If you do not want the health insurance company to receive information about the type of care required, it is important to indicate this during the first consultation. With some paperwork, this can be arranged.
Not everything is insured care
Adjustment disorders, relationship and family problems and problems resulting from work are no longer insured care and are therefore not reimbursed from the basic insurance. The rate we charge for an individual consultation ‘uninsured care’ or ‘non-basic package care’ is €138 (45 minutes). We prefer to settle these costs via direct debit. Some insurers have included a partial reimbursement for treatment of these problems in the supplementary insurance. You can find this information in the policy conditions of your health insurer.
Canceling Appointments and No Show
Sometimes you may be forced to cancel an appointment. Please do so as soon as possible and at least 24 hours in advance. Appointments that are not cancelled on time will be charged 60% of the session rate. This bill will not be reimbursed by your health insurance company.
NZa rates Care Performance Model 2025
Check your insurance policy
Reimbursement of treatment depends on two things: your policy and our choice of whether or not we work with contracts with health insurance companies.
Your policy
If you have a natura insurance, treatment is only fully reimbursed if you go to a care provider who has a contract with your insurer. But even if you have a good restitution insurance, in 2025 you will no longer receive 100% reimbursement for non-contracted care in the GGZ. For an overview of the level of reimbursement under the various policies, check out contract-free psychologist .
Our choice in terms of contracts
We have very deliberately chosen not to enter into contracts with insurers. Not because we don’t meet the quality requirements, but because we don’t have a say and we don’t always feel that the requirements set by a health insurer benefit the care. Barbara, Katja and Leonien work completely contract-free in 2024, Jaro only has a contract with Zilveren Kruis Achmea and also works contract-free otherwise. Jaro has contracts for 2025 with Zilveren Kruis Achmea and DSW/Stad Holland.