Talking about money and insurance can sometimes feel complicated. My goal is to make this process as clear and stress-free as possible so you know exactly what to expect.
Fees & Initial Consult
During our initial consultation, we’ll talk about your needs, the services that interest you, and the associated fees.
Coaching & Insurance
Coaching is not covered by insurance, though some flexible spending or health savings accounts may reimburse coaching services. Please check with your plan administrator if you’d like to explore this option.
Psychotherapy & Insurance
I am not currently on any insurance panels. However, you may still be able to use your out-of-network benefits if your plan offers them. (See below for more details on superbills and reimbursement.)
Benefits of Private Pay
Many clients choose to pay privately for psychotherapy, and there are important advantages to doing so:
- Privacy: Your records remain confidential. Only the minimal documentation required by law is kept.
- No diagnosis required: Private pay means no diagnosis will appear on your permanent health record.
- Flexibility: We can decide together on the length, type, and frequency of sessions that best fit your needs.
- Freedom from third-party oversight: No insurance companies or outside reviewers will have access to your records.
In short, private pay gives you complete control of your therapy and healing journey.
Using Out-of-Network (OON) Benefits
If your plan offers out-of-network coverage, I can provide a monthly superbill (a detailed receipt) for you to submit to your insurance company for possible reimbursement.
Please note: to issue a superbill, I do need to assign a mental health diagnosis, which becomes part of your medical record.
Questions you may want to ask your insurance company:
- Do I have outpatient mental health/behavioral health benefits?
- Am I covered for out-of-network providers?
- What is my out-of-network deductible, and has it been met?
- How many sessions per year are covered?
- What is the reimbursement amount per session?
- Do I need a referral to see an out-of-network provider?
- How do I submit claims for reimbursement?
- Are telehealth sessions (phone or video) covered in addition to in-person visits?
Good Faith Estimate
You also have the right to receive a Good Faith Estimate explaining how much your care will cost based on session fees and an estimated course of therapy.
Under the 2021 No Surprises Act, health care providers are required to give patients who don’t have insurance, or who are not using insurance, an estimate of their costs. If you receive a bill that is $400 or more above your Good Faith Estimate, you can dispute the bill.For more information, visit www.cms.gov/nosurprises.
