Therapy is an investment in your mental health and your future.
Using Your Insurance
I’m an out-of-network provider. This means I do not bill your insurance directly and I am not panelled with any insurance companies. However, that does not mean you cannot use your insurance. Most insurance companies have something called out-of-network benefits (OON). This is where they provide reimbursement when you use providers who are out-of-network.
You pay me directly for each session at the time of service. I provide you with something called a superbill, which is a detailed receipt that has all of the information your insurance needs. You send the superbill into your insurance company (most insurance companies allow you to do this online making it easier.) If your plan covers out-of-network providers (most do), you will receive a reimbursement check in a couple of weeks. Most clients who use OON benefits are reimbursed up to 80% for each session. Some insurances require you meet your deductible before they reimburse for OON benefits. If you plan to seek reimbursement, it is important to talk to your insurance company to find out what they cover before starting therapy.
How it Works
Here are some good questions to ask about reimbursement.
1.) Do I have out-of-network benefits for outpatient mental health services?
2.) If so, how much will I get reimbursed for a session?
3.)Do I have to meet a deductible first before my out-of-network benefits kick in?
4.) Am I eligible to use these benefits for telehealth (online therapy) appointments?
5.) Do I need to be referred by an in network provider, like my medical doctor, in order to see an out of network therapist?
6.) When can I expect to see my reimbursement for sessions in the mail?
If you have any questions about using your insurance, I am happy to walk you through the process.
Things to Ask Your Insurance Company
There Are Benefits to Private Pay
Why someone might choose not to use their insurance for reimbursement.
Confidentiality.
When a therapy session is billed through your insurance, it requires a mental health diagnosis and allows the company access to your records. Insurance companies often require a significant amount of information about your treatment. Private pay keeps your information between you and your therapist.
No Diagnosis Required.
Private pay means you do not have to have diagnosis listed on your insurance records. This means you do not have to meet criteria for a mental illness to receive support and personal growth through therapy.
Greater Flexibility and Goal Focus.
Insurance companies often limit the number of sessions, session length and frequency of sessions. Private pay means we can decide together what is most helpful for you. Additionally, therapy is guided by what is best for you–not just what is reimbursable.
Cost of Therapy
Fees will be due at time of service and will require a credit card on file which will be billed at the beginning of each session. If you have questions about fees, insurance reimbursement or getting started with therapy, reach out. I am here to help.
Intake Session (60 minutes): $150
Regular Session (45 minutes): $125
Letter Request: $25
Please note: I do not provide court testimony or related court documents.
Your mental wellness is an investment in yourself and your future.
