Service Fees:

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Fees for individual, couples, and family therapy are based on the type and length of service provided.

Private Pay & Out-of-Network Fees

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• Individual Therapy:  $250 for a 50-minute session

• Individual Initial Intake: $300

• Couples & Family Therapy: $325

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Insurance:

I am currently in-network with Cigna, Optum (UnitedHealthcare), Kaiser, and Carelon Health (formerly Beacon Health).

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For PPO plans with out-of-network benefits, I can assist with submitting claims directly to your insurance when available, or provide you with a receipt that you may submit to your insurance company for potential reimbursement.

Your insurance plan determines whether out-of-network services are covered and what portion of the cost may be reimbursed. Depending on your specific plan, you may be responsible for a deductible, copayment, coinsurance, or any remaining balance.

 

Understanding Your Insurance Benefits:

Insurance benefits vary by plan. You are responsible for verifying your mental health benefits, including copayments, deductibles, coinsurance, out-of-network coverage, and any required authorization.

Before beginning services, contact the member services number listed on the back of your insurance card and ask about your mental health benefits.

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If you have a PPO plan with out-of-network benefits, you may be eligible for partial or full reimbursement for services, even when the therapist is not in-network with your plan.

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Questions to ask your insurance provider include:

• Do I have out-of-network mental health benefits?

• What is my out-of-network deductible?

• What is my copayment or coinsurance after meeting my deductible?

• What percentage of the allowed amount will my insurance reimburse?

• Is there a separate out-of-network deductible for mental health services?

• Do I need prior authorization?

• Do I need a referral?

• Is there a limit on the number of therapy sessions covered each year?

• What is the reimbursement rate for the specific service/CPT code being billed?

• Do I submit claims myself, or can my provider submit them on my behalf?

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Please note that verification of benefits is not a guarantee of payment. Final coverage and reimbursement are determined by your insurance plan and the insurance company's processing of each claim.

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Areas of Experience

• Children, adolescents, adults, couples, families, and older adults

• Anxiety, depression, acute stress, and adjustment concerns

• Trauma, complex trauma, childhood trauma, and post-traumatic stress

• Anger management and emotional regulation

• Relationship concerns, communication, trust, and infidelity

• Couples counseling and marital concerns

• Grief and loss

• Life transitions, phase-of-life changes, and life crises

• Crisis intervention and support

• Parenting concerns and support for new parents transitioning to parenthood

• Separation and divorce

• Dating and relationship concerns for individuals who are single

• Self-esteem and self-confidence concerns

• Unresolved childhood experiences

• Experiences related to physical, sexual, and emotional abuse and neglect

• Domestic violence and its impact on individuals and families

• Personality-related concerns

• Family members affected by substance use

• Families experiencing conflict or crisis

• Supporting individuals and families coping with special needs or learning disabilities

• Caregiver support

• Challenges related to food allergies and associated emotional and traumatic experiences

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Additional Insurance information: What you need to know regarding insurance coverage and reimbursement

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You must check with your insurance carrier to see if you can choose your own provider and what your reimbursement for services will be. You are responsible for Co payment or full payment at the time of your appointment depending on insurance benefits. If  I'm out of network, I will provide you with a Superbill, which you can then submit to your insurance carrier for direct reimbursement.

 

If I am not a provider of your Health Insurance,  you may be reimbursed for part of the fee if you have a PPO that provides for “out of network” coverage but will not bill your insurance directly. As a licensed Marriage and Family Therapist, I will provide you with a receipt with the necessary information to submit to your insurance company for reimbursement. If you meet the criterion of your insurance company, you may be reimbursed for part of the fee.  It is your decision whether to submit your claim(s) for mental health coverage.

Please understand that disclosure of confidential information may be required by your insurance company to process your claims. Submitting the receipt that I provide you for reimbursement can entail some risk to confidentiality, privacy or future eligibility to obtain health or life insurance. Therefore it is important for each individual, couple or family to make an informed decision regarding future reimbursement. Some clients decide to pay out of pocket, and others decide to pursue the matter to get more information.

 

Here are some questions you may want to ask your Insurance provider for verifying out of network benefits:

 

I always recommend taking good notes with the accurate names and dates.

 

1. What is your name and extension number?

2. Am I eligible to submit a claim for reimbursement myself rather than the provider submitting the claim?

3. Do I need pre-authorization in order to be reimbursed?

4. What is the rate of the reimbursement?

5. What is the rate of reimbursement for a “non-preferred” or “out of network” provider?

6. Is there a ” usual and customary fee” that is reimbursed? What is that specific fee?

7. How much can I expect to be reimbursed per visit with an “out of network” provider?

8. Is my reimbursed rate only for specific procedure codes or CPT?

9. What procedure codes in my plan are not reimbursed?

10. Does reimbursement require a DSM V diagnostic code?

11. What specific DSM V codes are not reimbursable?

 

In researching this topic, I find that licensed Marriage and Family Therapists often have strong beliefs on whether clients should submit claims or pay out of pocket. My belief is that each individual, couple and family may have different needs, access to resources and/or financial concerns that should be taken into consideration before making an informed decision.