Cost and Insurance

My rate is $140 for a 50-minute session. I do not accept insurance, but I do provide invoices for out-of-network billing to your insurer. 

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Since navigating insurance benefits (or lack thereof) can be an intimidating thing, I'll share a few things I've learned along the way:

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• Some therapists accept insurance, and some don't. Those who don't are often concerned about low reimbursement rates, time-consuming billing paperwork, and regulations about treatment length and frequency. These factors have influenced my decision to stay off of insurance panels.

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• If you have a PPO insurance plan with out-of-network benefits, you can choose from a much larger pool of therapists than just those providers who accept your insurance.

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• If you are on an HMO insurance plan, you likely do not have access to out-of-network reimbursement and will have to look in-network or self-pay. However, self-pay comes with its own benefits. There is increased privacy - your therapist is not required to provide your diagnosis to your insurer - and you can customize treatment to meet your needs, including coming more frequently (or having longer sessions) than your insurance benefits may allow. 

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Wondering how to find out about your out-of-network benefits? Call your insurer and ask these questions: 

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• Do I have an out-of-network deductible? If so, what is it?

• What is the allowable amount for an out-of-network provider for individual psychotherapy?

• How many sessions per calendar year are covered?

• What is my copayment and/or coinsurance?

• How do I file out-of-network benefits? 

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