FAQ About Fees & Insurance
What Are Your Fees For Therapy?
The first assessment session is $180 as it is longer than regular sessions.
Subsequent sessions are $150 for 45 minute sessions and $180 for 55 minute sessions.
What Types Of Payment Do You Accept?
Major Credit Cards, HSA and FSA Cards, Checks and Cash are accepted as payment.
Payment is due at each appointment.
Many of my clients keep their credit card details on file using my Chase Bank secure online credit card processing account which means that payment for your appointment is conveniently done online so I don’t need to manually swipe your card at each session.
Do You Take Insurance?
I am an Out of Network provider with all insurance companies. If you have PPO insurance, you may be eligible to get some of the cost of sessions reimbursed. HMO insurance policies, Medicaid and Medicare typically do not cover anything if you see an Out of Network provider.
Scroll down the page to see the questions to ask your insurance company to find out your Out of Network mental health coverage.
Why Are You Out of Network?
I am an Out of Network provider with insurance companies for several reasons:
The requirement for a diagnosis: In order for an insurance plan to pay for therapy services you need a diagnosis code which states you are experiencing a clinical level of mental health symptoms as measured by the DSM 5. Many of my clients want to meet with me because they want to make changes in their life or gain a greater understanding of how to improve their relationships or difficult life events, not because they meet the criteria for a mental health diagnosis.
Confidentiality: Some of my clients do meet the criteria for a mental health diagnosis but prefer to have the details of their treatment with me separate from their insurance/medical record as in some cases it may affect eligibility for health insurance in the future or difficulty obtaining term life insurance.
Please note, you are able to pay for therapy services directly with your FSA or HSA cards, which permits you to pay for medical services with pre-tax employment funds. You are not required to provide a mental health diagnosis to your insurance company to utilize this form of payment.
Limitations of treatment: When a provider is In Network with insurance companies they can dictate your treatment plan and how many sessions you are allowed, regardless of the progress that you are making. I feel that the course and length of therapy is uniquely related to you and your concerns and shouldn’t be dictated by your insurance company. If you see an In Network provider your insurance company can require private information about the content of our sessions. These are not required when you see an Out of Network provider.
What Do I Do If I Want To Use My Insurance For Our Sessions?
I can supply you with an invoice called a Superbill which has all the correct information you need to submit a claim to your insurance company for any Out Of Network benefits reimbursement you qualify for if you meet your insurance’s criteria. Some insurance companies allow me to submit Out of Network claims on your behalf electronically. I send them the details typically on the Superbill and they will reimburse you directly if you qualify for it under your plan.
If you plan to use your insurance, you may want to call them prior to the first session (the telephone number to call is on the back of your insurance card) and ask the following questions:
- Do I have mental health benefits?
- Does my plan cover out-of-network providers?
- What is my out-of-network deductible and has it been met?
- How much does my plan cover for an out-of-network provider?
- Will I be reimbursed for payments given to an out-of-network provider?
- Where do I send a super bill?
- If applicable – Do my benefits cover marriage counseling?
Please do not let financial need stop you from contacting me. I offer a limited-number of reduced-fee appointments for those with demonstrated financial need.