Payments & Insurance

 
 
 

Individual Sessions:

My standard rate is $200 for a 50-minute session.

If you are currently enrolled in an undergraduate or graduate program, I do offer lower fee rates for students. Please email or call to discuss.

***I offer a small number of reduced fee slots. Please call or email me to discuss.

Reasons to consider doing Private Pay, rather than using insurance:

  • In order for insurance to pay for therapy, you must be given a diagnosis. This is true regardless of the reason you are seeking therapy or the type of therapy.

  • The insurance company will have the deciding role in how many sessions you may receive and what treatment goals are considered appropriate. Your treatment will be guided by the expectations of the insurance company and the diagnosis you were given, rather than any issues that brought you to counseling or come up during your therapy. 

  • Your therapy records are now part of your medical records. Insurance companies will require various documentation from your therapist and this becomes part of your medical record. It is not uncommon for insurance companies to request session notes in addition to diagnostic information and your treatment plan in order to assure that your treatment is following the plan and to fight "fraud." Your therapist will always work to keep your information confidential, but cannot control what an insurance company does with your information. For 100% peace of mind about your health information, self-pay protects you the best. 

  • Any diagnosis you receive can be considered a pre-existing condition and may impact you in the future (obtaining health insurance, life insurance, employment, etc.).

Insurance:

** I accept OPTUM and United Behavioral Health insurance.

I am an out-of-network provider for all other insurances. Some PPO plans are able to reimburse you for a percentage of the charges incurred. Please call your insurance to inquire whether they cover out-of-network mental health services and at what rate.

Please note that in all cases, you are responsible for full payment of fees at the time of service and for any ongoing communication with your insurance carrier.

Questions to ask your insurance provider (out-of-network):

  • Does my plan provide me with out-of-network reimbursement for psychotherapy?

  • Am I covered to see a Licensed Marriage and Family Therapist?

  • Is there a deductible I need to meet before you will reimburse me?

  • Is there a limit to how many sessions you will cover?

  • How much of the fee will be reimbursed? (Note: If they cover a percentage of the "allowed fee," ask how much the allowed fee is, because it may be lower than my full fee. For instance, if the allowed fee is $80 and they cover 30%, you will only be reimbursed $24 per session.

“Right to Receive a Good Faith Estimate of Expected Charges” -Under the No Surprises Act.

A Good Faith Estimate is part of the No Surprises Act (H.R. 133) that took effect on January 1, 2022. This law applies to all heath care providers, and is intended to prevent consumers from receiving unanticipated medical bills. You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.

Under the law, health care providers need to give clients/patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

  • You have the right to ask for and receive a “Good Faith Estimate” explaining how much your therapy will cost, ahead of any scheduled services, and also upon request.  Since the length of therapy is usually variable, my estimate will show my per session costs as well as the maximum amount you will have to pay if your therapy goes for a full year.  The estimated costs are valid for 12 months from the date of the Good Faith Estimate, subject to any provisions for fee adjustments in my Informed Consent documentation.  This Good Faith Estimate will include service codes (my standard is for 50-minute sessions), and any diagnostic codes that may have been determined. 

     For questions or more information about your right to a Good Faith Estimate, visit

    www.cms.gov/nosurprises