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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? 

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