Fees & Insurance

Self-Pay

My fee is $135/per session. You may use HSA/FSA funds to cover fees, but I do not accept insurance.

Using Insurance via “Out of Network” Benefits

Short Answer:

Even though my practice is self-pay, you may be able to still have the amount applied to an Out of Network deductible or get reimbursed.

Contact your insurance company (number on the back of the card) and ask the following:

• “Do I have out-of-network benefits?”

• “Do I have an out-of-network deductible that is different from my in-network deductible?

• “Do I have to meet this out-of-network deductible before I am reimbursed for outpatient psychotherapy?”

• “If I paid $125/session and met my deductible, what amount would be reimbursed to me?”

If you have these benefits, I can submit a superbill which you will then upload to your insurance website and have it applied to your deductible/get some reimbursement.

Long Answer:

Insurance typically works by having a deductible that must be met before insurance will kick in and pay for the service. (E.g., if you break your arm, you may be required to pay $2000 before insurance will pay for the rest.)

Some insurance plans have an “in-network” deductible and an “out-of-network” deductible.

Other insurance plans (more expensive) have no requirement to meet a deductible for behavioral health / outpatient psychotherapy.

If you see a healthcare provider (e.g., doctor, therapist), the amount you pay out of pocket goes towards your deductible or, if you don’t have to meet a deductible, you simply pay a copay. (Not to be confused with plans that only require an initial copay but require you to pay after the fact.)

If your plan has a deductible, then the insurance will kick in once this is met. Since you are paying me directly, they would then mail you a check. Note: they may not repay the full amount you paid me. They may only repay a portion.

Reducing Costs

If out-of-network benefits don’t apply or you otherwise need to lower costs, here are some further ideas:

• Utilize therapy well. Have a conversation about resources (e.g., books) and supplemental treatments (e.g., yoga). This will make our sessions more efficient and ultimately reduce the time you are in therapy.

• Commit to a trial period (e.g. 8 weeks). This will allow you to see if we’re a good fit and what change is possible.

• Meet less than 4 times a month. Some clients meet 3 times a month while others can only afford 2.

As someone who has a lot of scarcity-related thoughts, beliefs, and emotional pain, it has been helpful for me to consider therapy as an investment. Many people are so focused on securing their financial future that they’re not focused on their mental and emotional future. Investing in yourself has many if not more benefits than investing in your financial future.