top of page

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. 

​

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

​

  • 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.

​

  • 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.

​

  • 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. 

​

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

​

  • 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? 

​

​

519 Memorial Drive SE #B10

Atlanta, Georgia 30312

​

emily@emilyloeb.com

​

Tel: 607-358-5085

Please use this form to contact me for more information, or to request a first appointment.

​

I currently have limited availability for new clients during daytime/weekday hours.

If you are in an emergency situation,

call 911 or text the crisis text line at 741741.

Success! Message sent. Please expect a reply withint 48 hours.

© 2025 by Emily Loeb, LCSW

bottom of page