While I am an out-of-network provider and do not accept insurance directly, I want to make sure the reimbursement process is as smooth as possible for you. I’m happy to provide you with a detailed invoice (containing all the information your insurance needs) that you can submit to your insurance company. Alternatively, I’ve partnered with a third-party company, Thrizer, a service that can manage the out-of-network claims process automatically on your behalf, saving you the extra paperwork.

 

With Thrizer, after you've met your annual deductible, you have the option to pay only your co-insurance amount (similar to an in-network copay) at the time of your session, instead of paying the full fee and waiting for reimbursements. This typically allows clients to save on average 70% upfront on our sessions. During our intake process, I can help you verify if you have out-of-network benefits and how much your copay would be. ​​

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How to Verify Your Out-of-Network Benefits

To understand what your therapy sessions will cost after reimbursement, please check your coverage carefully by calling your insurance provider (the number is usually on the back of your member ID card) and asking these specific questions:

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• What is my out-of-network deductible and has it been met?

• How many sessions per year does my health insurance cover?

• What is my out-of-network coinsurance for outpatient mental health visits

• What is the allowed amount per therapy session? What percentage of the fee is covered?

You can provide them with the CPT* code for the initial appointment 90791 and 90834 for ongoing individual psychotherapy sessions. 

*CPT stands for Current Procedural Terminology and refers to the type of treatment you are receiving.

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• Are virtual outpatient mental health visits or teletherapy covered by my plan?

• Is a referral required from an in-network provider or a primary care physician to see someone out-of-network?

• Do I need pre-certification to use my out-of-network mental health benefits?​

• ​How do I submit claims for out-of-network reimbursement?

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Important Points to Consider About Using Health Insurance

Please note that using your health insurance benefits for therapy has both advantages and disadvantages. In order to assist you in your decision to utilize your insurance benefits or pay privately, be advised of the following points:

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Insurance:

Insurance companies typically reimburse providers for the mental health issues they deem as necessary and require a mental health diagnosis. Insurance companies determine the number of sessions and length of treatment due to managed care. Typically, insurance will only authorize a pre-determined number of sessions.

 

Self-Pay/Private Pay:

Treatment is provided without a diagnosis. The client and clinician determine the length and frequency of treatment based on preference and need.​

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​Sliding Scale/Reduced Fee Policy
I am committed to providing accessible services to those who might otherwise face financial barriers. Because my practice does not receive external funding to subsidize care, I offer sliding scale fees on a time-limited basis for 12 weeks and then will be reconsidered at that time.

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Payments

Cash, check, or credit cards (American Express, Discover, MasterCard, or Visa) are accepted for payment.

 

Invoices

A monthly invoice, known as a superbill,  will be provided to you at your request. This invoice will include all the necessary information needed for mental health insurance reimbursement.

 

Cancellation Policy

To support all my clients effectively, a 24 hours' notice is required for any appointment changes or cancellations. Please note that missed appointments without this notice will be subject to the full session fee.