Payment and Insurance

I am an “out-of-network” provider, meaning that if your insurance company offers out-of-network benefits, then you should receive some reimbursement for the cost of therapy directly from your insurer. Many insurance companies that provide out-of-network benefits cover between 50% and 80% of the cost per session. I will provide you with an invoice of your paid sessions for you to submit to your insurance company for reimbursement.

Prior to beginning our work together, I recommend you ask your insurance company the following questions: 

• Does my insurance plan include mental health coverage?

• Do I have a deductible for out-of-network benefits?

• How much does my plan cover for mental health services provided by an out-of-network provider?

• Is there a limit to how many sessions per calendar year are covered by my plan?

Good Faith Estimate

Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally in writing of their ability, upon request or at the time of scheduling health care items and services to receive a “Good Faith Estimate” of expected charges.

You have a right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

• You have the right to receive a “Good Faith Estimate” for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

• Make sure your health care provider gives you a Good Faith Estimate in writing at least one business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

• If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

• Make sure you save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.