Rates and Insurance
We have therapists that are currently In-Network providers with Aetna, Blue Cross Blue Shield PPO, Cigna, and Optum/United Behavioral Health and are considered Out-of-Network providers for all other insurance companies. We would be happy to either bill your insurance directly as an Out-of-Network provider or we can provide you with a statement (“Superbill”) that you can submit to your insurance so that you can receive reimbursement directly.
Out-of-Network Insurance Benefits
Although we are In-Network with Aetna, Blue Cross Blue Shield PPO, Cigna, and Optum/United, many other PPOs will cover all or a portion of my fee using your Out-of-Network benefits. It is your obligation to pay for services regardless of third-party reimbursement. If you have an HSA, flexible spending account, or medical savings account you may also be able to use these funds.
If you would like to use your insurance, please contact your insurance company and ask what coverage you have to see an “Out-of-Network provider”. If possible, ask them to fax or email you a copy of your coverage so that you can use this if you decide to submit documents to them in the future for direct reimbursement.
It will be helpful to ask them the following questions:
Do I have mental health insurance benefits?
What are my Out-Of-Network benefits?
What are my Out-Of-Pocket expenses?
What is my deductible and has it been met?
Do I have a Co-Pay or Co-Insurance and how much is it?
How many sessions per year does my health insurance cover?
What is the coverage amount per therapy session?
Is approval required from my primary care physician?
We can then begin our treatment together. You can either pay for the sessions as we go, getting reimbursed directly from your insurance company or we can bill them for you so that you are only responsible for paying your Co-Pay and/or Co-Insurance at the time of services (unless you have a deductible to be met first).
Self-pay vs. Insurance
Why do people Self-Pay if they have insurance?
There are a variety of reasons people choose not to work directly with insurance companies. My highest priority is to serve you with the best possible care. One of the main reasons clients prefer to pay out-of-pocket instead of using their insurance is that paying out-of-pocket allows me, the therapist, to give you the best possible care.
Many people do not realize that when you use your insurance, there is another person in the room – your insurance company. In order to use your benefits, your therapist has to disclose, with your consent, your personal information in order to verify your eligibility, pre-authorize services, and process claims to obtain payment.
This includes such things as:
-the nature of your issues for counseling
-psychiatric diagnosis
-your treatment plan
-how long you will have the problem
If I submit a bill to the insurance companies on your behalf, your confidential information is processed by the insurance company and then stored in a database. Anyone who is involved in the processing or handling of your claim may have access to your records and anyone who has a legitimate reason to access the medical database, such as insurance companies and future employers, can view your confidential records.
So what does this mean?
I would need to label you, or one of you. For couples and family therapy, one person must be given a mental health diagnosis to utilize benefits, and the other partner or family members are brought in to support the “mentally ill” client.
At times clients simply need to check in with someone to get a new perspective, learn some new skills, or explore some different strategies to try at home or work. Others want to work on their relationship with their partner or on being a better parent. These things, including marriage and couple counseling, are not typically covered by insurance unless you are given a mental health diagnosis.
Although receiving a diagnosis when appropriate can be extremely beneficial, it does come with its fair share of unfortunate consequences, such as compromising your ability to obtain life, health, disability, or long-term care insurance. Once you have received a diagnosis it, and the stigma associated with it, follows you for the rest of your life. The advantage of self-pay for therapy is that your information is not released to the Medical Information Bureau, so even if you do receive a diagnosis it is kept confidential between you and your therapist and shared only with whom you chose to share it, within the laws of confidentiality.
We want you to be actively involved in determining what your goals are, how we will work together, and when we are finished. With insurance, many of your choices and treatment options are limited, as they determine what is “medically necessary” and what is the most efficient treatment. However, it is always a personal choice whether or not to use your health insurance to pay for therapy. For some, using insurance benefits is the best choice and others will find they like the freedom paying out-of-pocket gives them in their journey toward mental wellness.
Rates
Payment
We accept cash, checks, and all major credit cards as forms of payment.
Cancellation Policy
If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you will be charged $110 as a missed appointment fee.
Any Other Questions
Please contact us for any additional questions you may have or if you would like us to check your insurance benefits for you. We look forward to hearing from you!
