Read on to learn more about how you can be clear about the expected costs for treatment.
How much does treatment cost?
The rate is for $250 per session for each session. Sessions generally last 55 minutes.
Please do not feel dissuaded from therapy if cost is a concern for you. Most insurance plans offer some coverage for mental health benefits. To check your mental health benefits, please call your insurance carrier and ask:
How much does my insurance pay for an out-of-network provider?
What is the coverage amount per 55-minute therapy session from a licensed clinical psychologist (CPT code 90837)?
How much of a $250 fee can I expect to be covered?
Is there a limit to the number of therapy sessions covered?
How do I submit superbills?
How will I receive my reimbursement, and how long does it take for the claims to be processed?
While payment is due at the time of service, I can provide an itemized monthly billing statement that you can submit to your insurance company for reimbursement if you have out of network benefits. Clients are also often able to use their HSA or FSA accounts.
Why choose private pay?
Whether you choose private pay, utilize out-of-network benefits, or work with a provider on your insurance panel, the most important thing is that you feel comfortable with your therapist. She understands you, meets you where you are, and can help you make progress with your goals.
Some individuals choose private pay to avoid having a diagnosis on their medical records. Others might not meet criteria for a mental health diagnosis, and as such, would have to pay out of pocket, anyway. (Insurance covers treatment that is considered “medically necessary” which is defined as a diagnosable illness.) Others choose a specialist with particular training in an area that might not be available from an insurance paneled provider.
Treatment with me does not differ if you choose to utilize insurance benefits or pay out of pocket.
How does payment work?
Most clients choose to pay online for ease. You may also pay via check, if that is preferable to you. You will receive a link to pay online, if that is your choosing, after services are rendered.
What is a "Good Faith Estimate"?
Effective January 1, 2022, the No Surprises Act protects uninsured or self-pay individuals from unexpectedly high medical bills. Individuals choosing private pay (or without health insurance) will receive a “good faith estimate” of what they may be charged upon request or after scheduling an appointment.
If you receive a bill that is greater than $400 in excess of the GFE, you may be eligible for payment through the patient-provider dispute resolution (PPDR) process. There is a $25 administrative fee to begin the PPDR process (which may be recovered). Here is more information on the No Surprises Act and your rights.