You pay me directly for each session. Depending on your plan, your insurance company may reimburse you for part of the cost through something called out-of-network (OON) benefits. This means you pay up front, and then your insurance may send you money back after you’ve met your deductible. A deductible is the amount you’re required to pay out-of-pocket each year before your insurance begins to reimburse you.

Many clients get back 50–80% of the fee within 2–6 weeks. Most insurance companies mail reimbursement checks directly to you, while others apply the amount toward your deductible balance.

To make the process easier, you have two options:

1. Superbill: I can provide you with a monthly superbill (a detailed receipt) that you submit to your insurance company.

2. Mentaya: You can use Mentaya, a platform I’ve partnered with that files claims and handles the paperwork for you. Mentaya will charge you a 5% fee per claim (about $15).

I don’t communicate with insurance companies on your behalf, but I’ll provide all the paperwork you need. I strongly recommend calling your insurance company to confirm your benefits. Use the script below to guide the call and be sure to ask for a reference number at the end and keep it for your records.

Optional script:
“Hi, I’m planning to work with an out-of-network licensed psychologist for individual therapy. Can you tell me if my plan offers reimbursement for out-of-network mental health providers?”

If they say yes, ask:

• Do I need pre-authorization or a referral from my PCP?

• What is my deductible for out-of-network mental health services, and has it been met?

• Once I meet my deductible, what percentage is reimbursed per session?

• How many outpatient sessions are covered per year, and how long can they be?

• Are the following CPT codes covered, and at what reimbursement rate?
  – 90791 (initial intake session)
  – 90837 (60-minute session)
  – 90834 (45-minute session)

• How do I submit a superbill for reimbursement, and how long does it usually take to process?

• At the end: “Can you please give me a reference number for this call?”

At this time, I don’t have sliding scale spots available.

I accept all major credit and debit cards, as well as HSA and FSA cards. Your card will be kept securely on file and charged after each session.

A "good faith estimate" is a document provided by a healthcare provider that outlines the expected charges for a scheduled medical procedure or service, given to patients who are uninsured or not planning to use insurance to pay for their care, essentially acting as a pre-bill detailing what they can anticipate paying for their treatment. 

If applicable, I will send you a good faith estimate prior to your intake session.