Insurance & Reimbursement
I am an out-of-network provider for insurance companies (e.g., I do not contract with them). However, many people have out-of-network benefits with their insurance plans. If you have these benefits, your insurance plan will likely reimburse a portion of each session payment after you meet your deductible.
Process for seeking reimbursement:
I recommend that you call your insurance company to check whether this benefit is available to you, and if so, what percentage of each session they will reimburse.
Upon request, I can provide itemized monthly statements, called a “Superbill”, for you to submit. You would pay for services in full each week, and then submit the Superbill to your insurance company with a request for reimbursement. Please note that insurance requires the Superbill to include a mental health diagnosis; we will discuss this so you are informed.
Questions to ask your insurance include:
“Do I have out-of-network reimbursement benefits for outpatient mental (or behavioral) health visits with a psychologist?”
“What is the annual deductible? How much is remaining for the plan year?”
“Once the deductible is met, how much will I be reimbursed for these services? What is the allowed amount?” Ask specifically about the following CPT codes: initial evaluation (90791) and individual therapy (90832, 90834, 90837).
“Are there any limits on this benefit? Are any psychotherapy services excluded from reimbursement when conducted via telehealth?”
I do accept payment via Health Savings Account (HSA) and Flexible Spending Account (FSA) cards.
Fees
Investing in yourself:
I appreciate that out-of-pocket therapy is an investment of resources, time, and energy. I take your investment seriously and believe therapy can have an incredible impact.
Often, clients I work with find it difficult to justify spending money for their health and well-being, yet would do so for a loved one. Everyone is worthy of care. The changes people experience from therapy can benefit them for the rest of their lives.
New or Returning Client Intake Session
60-75 minute session | $330
50 minute session | $220
75 minute session | $330 (extended PTSD or OCD treatment sessions)
Individual Therapy Sessions
Payment FAQS
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I do not accept insurance plans. If you have out-of-network benefits with your insurance plan and would like to use them, please read the insurance section above.
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I accept payment via credit cards, Health Savings Account (HSA) cards, and Flexible Spending Account (FSA) cards.
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You receive the best standard of care: Paying “out-of-pocket” allows us to determine what type of therapy you engage in, how we conceptualize improvement, and how long therapy should last. Often, insurance drives what therapy looks like based on generalized metrics.
Increased privacy: Insurance requires that a diagnosis is filed in order to cover the cost of therapy, which remains in your medical records. However, many of my clients seek therapy to work through reproductive stressors, which do not always meet the specific criteria for a mental health disorder.
Fair compensation: Most insurance plans reimburse therapists poorly for sessions. This necessitates therapists to see many more clients to pay their bills, which can lead to burnout. Clients paying out-of-pocket allows me to be compensated adequately, be well rested to provide exceptional care, and do the work I love sustainably long-term. It also supports my capacity to offer “pay what you can” therapy groups each year to increase accessibility to mental health care.
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I provide evidence-based cognitive behavioral therapies at rates comparable to psychologists with PhD level education and commensurate experience in my specialization. I raise my fees annually according to inflation.
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In accordance with the No Surprises Act that went into effect 1/1/2022, you are entitled to a Good Faith Estimate which details how much your psychotherapy sessions will cost if you are not using out-of-network insurance benefits. You have the right to have an estimate of our psychotherapy costs in writing at least 1 business day prior to your service. You can also ask for a Good Faith Estimate before you schedule an appointment with me.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. For more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 800-985-3059.