Payment & Insurance

Questions to Ask Your Insurance Provider

• Does my plan include outpatient mental health benefits?

• What is my copay or coinsurance?

• Do I have a deductible? If so, what is it, and has it been met?

• Is there a limit on the number of mental health sessions per year?

• Do I need preauthorization or a referral?

• Are telehealth sessions covered? Are there any restrictions or expiration dates?

Out-of-Network Coverage

If I am not in-network with your insurance plan, you may still be able to use your out-of-network benefits. Many PPO plans reimburse a portion of counseling costs, typically 60–90%, after you meet your deductible. If you choose to use out-of-network benefits, I can provide a Superbill (a detailed receipt) for you to submit to your insurance company. Reimbursement is determined entirely by your plan and is not guaranteed.

Self-Pay

I accept private pay clients and offer a reasonable rate for those who prefer not to use insurance or want more flexibility. Please contact me to inquire about rates.

Payment Methods

• Credit / debit cards

• Cash or check

• Health Spending Account (HSA) / Flexible Spending Account (FSA) cards

Good Faith Estimates

If you are paying out-of-pocket, you can request a Good Faith Estimate of your expected counseling costs, including session fees and related charges. This helps you plan and avoid surprise bills. Estimates are not a guarantee of final costs and may change based on your needs. To request one, contact me before your first session. For more info, visit www.cms.gov/nosurprises or call 1-800-985-3059.