I am an “out of network provider” and do not accept insurance at my practice. “Why?” you may ask. Insurance requires me to submit a diagnosis to them. Often times the clients I work with do not have a reimbursable diagnosis and being forced to provide them with one would be considered malpractice. Insurance can also be intrusive, forcing a predetermined length of time on treatment that can be detrimental to the therapeutic process.

I see therapy as a financial commitment, like a gym membership for your mental well-being. Not taking insurance allows me to keep my caseload small so I’m better able to focus on your needs, sort of like a personal trainer! This allows for more flexibility in my schedule and increased privacy for you.

I am able to provide you with something called a superbill that would allow you to seek reimbursement for therapy with me as an out of network provider. If this is an option, please see below for a more in-depth explanation on speaking with your insurance provider.

A good portion of my clients use options such as Health Savings Accounts (HSA) or Flex Spending Accounts (FSA).

What is my co-insurance or copay for out-of-network sessions?

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

What is my out-of-pocket max and has it been met?

How many sessions does my plan cover per year?

What is the out-of-network allowed amount per individual therapy session (CPT code 90837)?

Do I need a referral from an in-network provider to see an out-of-network provider?

Prior to our first scheduled assessment, a card will be placed on file. At the end of each session, your card will be billed.

I do have limited availability spots for those in need of a reduced fee or sliding scale. Let’s chat about your options during your initial consultation to see what we can work out!

You have the 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 1 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 to 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