Insurance & fees
Choosing how to pay for therapy is a personal decision, and there isn’t one right option for everyone. Below is a brief overview to help you understand the differences.
Using Insurance
When you use insurance for therapy, your insurance company requires a mental health diagnosis and documentation showing that therapy is medically necessary. Because insurance is helping pay for treatment, they may also request access to records as part of audits or reviews.
Insurances Accepted: I am in-network with Harvard Pilgrim, Aetna, Cigna.
Out-of-Network (OON) Benefits
Many clients are surprised to learn they have out-of-network benefits. This option allows you to work with the therapist who is the best fit for you while potentially receiving reimbursement from your insurance company. A diagnosis is still required for reimbursement, but you have more flexibility in choosing your provider than you would with in-network care.
If you have OON benefits, insurance may reimburse you for a portion of our session cost (see rates below). You can use Thrizer to verify your out-of-network benefits and submit superbills. They will manage the reimbursement process end-to-end for you to save you the insurance headache. Once you meet your deductible, you receive reimbursements in a few weeks via direct deposit. You can create an account and get started at www.thrizer.com.
Check your OON Benefits here: Thrizer
Private Pay
Some clients prefer to keep their therapy completely separate from insurance. When paying privately, a mental health diagnosis is not required and no treatment information is shared with an insurance company. If privacy is important to you, private pay is often the best option. It allows therapy to focus on your needs and goals—not what an insurance company requires for coverage.
If you’re unsure which option makes the most sense for your situation, I’m happy to answer questions and help you explore your options. You can also read more about this on my blogpost here.
Rates
Individual Counseling
- 30-minute session: $90
- 45-minute session: $135
- 60-minute session: $175
Session length can be tailored to your needs and goals for treatment.
LADC Evaluations
LADC evaluations are $500 and are not covered by insurance.
The evaluation fee includes the clinical assessment, review of relevant information, and completion of the written evaluation report.
Payment Options
I accept major credit cards, as well as HSA and FSA cards.
Payment is due at the time of service, and a superbill can be provided upon request if you are seeking out-of-network reimbursement.
Good Faith Estimate (No Surprises Act)
Under the No Surprises Act, you have the right to receive a Good Faith Estimate explaining the expected cost of your care.
This estimate is provided before services begin or upon request, so you can understand anticipated costs and make informed decisions about your care.