Rates & Insurance
I believe therapy should feel transparent from the beginning, including understanding the financial side of your care. Below you’ll find information about session fees, insurance coverage, out-of-network benefits, payment, and cancellation policies.
Self-Pay Rates
Initial Intake/Assessment: $200 for a 60-minute session
Individual Therapy: $150 for a 53-minute session
Payment is due at the time of service unless other arrangements have been made.
Insurance
I am currently in-network with the following insurance providers:
Aetna
Blue Cross Blue Shield
UnitedHealthcare
Oxford
Oscar
Quest Behavioral Health
Insurance coverage and out-of-pocket costs vary based on your individual plan, deductible, copay, and coinsurance. Being in-network with an insurance company does not necessarily mean that every plan offered by that company is covered.
I encourage you to contact your insurance company before beginning therapy to verify your specific behavioral health benefits.
Questions to Ask Your Insurance Company
When calling the member services number on the back of your insurance card, consider asking:
Does my plan include outpatient mental health or behavioral health benefits?
Is this provider in-network with my specific plan?
Do I have a deductible for mental health services? If so, how much is it and how much have I already met?
What is my copay or coinsurance for outpatient psychotherapy?
Is there a limit on the number of therapy sessions covered each year?
Do I need a referral, prior authorization, or approval before beginning therapy?
Are telehealth mental health services covered under my plan?
Out-of-Network Benefits & Superbills
If I am not in-network with your insurance plan, you may still be able to use your out-of-network mental health benefits to receive partial reimbursement for therapy.
For out-of-network services, you are responsible for paying the full session fee at the time of service. Upon request, I can provide you with a superbill, which is a detailed receipt that includes information your insurance company may require when you submit a claim for possible reimbursement.
How Does a Superbill Work?
If you would like to use your out-of-network benefits:
Contact your insurance company before beginning services. Ask whether your plan includes out-of-network benefits for outpatient mental health services.
Ask about your out-of-network deductible and reimbursement. Your insurance company can explain how much you must pay before your benefits begin and what portion of the cost may be reimbursed.
Attend and pay for your therapy session. The full session fee is due at the time of service.
Request a superbill. I can provide a superbill containing the information typically needed to submit an out-of-network claim.
Submit the superbill to your insurance company. Depending on your plan, you may be able to upload it through your insurance company's member portal, mobile app, or submit it using their claims process.
Your insurance company processes the claim. If your plan includes out-of-network benefits and the service is eligible, your insurance company may reimburse you directly according to the terms of your plan.
Please note: Providing a superbill does not guarantee reimbursement. Each insurance plan determines its own deductibles, allowed amounts, reimbursement rates, claim requirements, and coverage. You are responsible for confirming your benefits directly with your insurance company.
Questions to Ask About Out-of-Network Benefits
If I am not in-network with your plan, consider asking:
Does my plan include out-of-network benefits for outpatient mental health services?
What is my out-of-network deductible, and how much have I met?
What percentage does my plan reimburse after I meet my deductible?
What is the allowed amount for CPT code 90791 for an initial diagnostic evaluation?
What is the allowed amount for CPT code 90837 for an individual psychotherapy session?
How do I submit a superbill or out-of-network claim?
Is there a deadline for submitting claims?
Payment
I accept all major credit cards.
You are responsible for understanding your insurance benefits and for any fees that are not covered by your insurance plan, including applicable deductibles, copays, coinsurance, or non-covered services.
Cancellation Policy
Your appointment time is reserved specifically for you. If you need to cancel or reschedule your session, please provide at least 24 hours' notice.
Appointments canceled with less than 24 hours' notice, as well as missed appointments, will be charged the full session fee.
Please note that insurance companies generally do not cover late cancellation or missed appointment fees.
Right to a Good Faith Estimate
If you do not have insurance or choose not to use your insurance for services, you have the right to receive a Good Faith Estimate explaining how much your healthcare services are expected to cost.
Under federal law, healthcare providers must provide patients who are uninsured or who are not using insurance with an estimate of the expected charges for scheduled non-emergency healthcare services.
You may request a Good Faith Estimate before scheduling services or at any time during your care.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you may have the right to dispute the bill.
For additional information about your rights under the No Surprises Act and Good Faith Estimates, visit the Centers for Medicare & Medicaid Services at www.cms.gov/nosurprises.
Have Questions?
Navigating insurance benefits can sometimes feel confusing. If you have questions about my rates, the insurance plans I participate with, or obtaining a superbill, please feel free to reach out.
While I cannot guarantee what your insurance company will cover or reimburse, I am happy to provide the information you may need to verify your benefits and better understand your options.
I look forward to connecting with you.