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Fees & Insurance

Individual Psychotherapy

My fee is $200 per invidual session. Sessions are 55 minutes long and at a set time each week so there is no hassle involved when fitting therapy into your life.

Out of Network

I am an out-of-network provider which means I operate on a self-pay basis and do not participate directly with insurance networks. This means that you pay out of pocket at the time of your session, but you may be able to be reimbursed through your insurance company after sessions.

Can you help me understand how to use my out of network benefits?

Absolutely! I am happy to look at your insurance website with you to determine how to submit out of network claims.

 

See below for questions to ask your insurance company about reimbursement.

Sliding Scale

Sliding scale fees may be available to accommodate various financial needs. There are limited spots available at a time. Please inquire about the availability of sliding scale openings.

What to ask your insurance company about your out-of-network benefits:

What is my out-of-network deductible?

Your deductible may be different for out of network services and in network services. Your deductible is the amount you need to pay before your insurance company begins paying towards your services.

What is the allowable amount for CPT code 90837?

The CPT code is a code that insurance companies and providers use to categorize the services you recieve. The 90837 CPT code is the code for individual psychotherapy for 53-60 minutes. You want to know what their allowance is for this as it will affect how much you are reimbursed.

What portion of the session cost will I be reimbursed for?

Your insurance company may ask you to pay a percentage of the fee as coinsurance (which may be similar to your copays you pay in network or may be different) or may reimburse you fully. Because it varies so much, it is important to understand what portion you are responsible for and what portion they will reimburse you for. 

How can I submit a superbill?

Many insurance companies have easy to navigate websites or apps that allow you to do a member submitted claim where you will input the information from the superbill into their portal and upload the document as well. Some insurance companies require you to fill a PDF form and send it via chat. Knowing how to submit will ensure you are reimbursed properly.

I will provide you with a superbill for you to submit for out of network reimbursement to your insurance company should you choose to, which tells the insurance company the services you received and the amount you paid. If you have out of network benefits, insurance companies will pay you back a portion of the session fee. You may also use your FSA/HSA card for payment for any amount that insurance does not reimburse you for.

 

Some insurance providers and plans are better than others when it comes to out of network reimbursement. While you pay a copay when you are in network, some insurance companies have you pay a co-insurance amount for out of network or reimburse you the amount that they would cover my services if I were in network with them. Sometimes, the amount you pay (after reimbursement) ends up being similar to what you would be paying in network, depending on your plan.

 

I understand that financial considerations are important, and I am committed to working collaboratively with clients to find a payment arrangement that works for us both. Ultimately, my priority is to offer a therapeutic experience that is comprehensive, compassionate, and designed to empower you on your journey towards healing and well-being. As stated above, I will provide a superbill at the end of each month, or more frequently if needed, that you can submit to your insurance company. I am happy to talk about this in more detail during our consultation and future sessions.

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