Rates and Insurance

 

Rates

I offer a free 15 minute consultation via phone to discuss your needs and how therapy may be able to help. This helps us decide if my skills and experience are a good fit for your needs, and it gives you the opportunity to address any questions you may have initially. For therapy, my rates are consistent with those of many other providers in the area and are as follows:

Regular sessions: $110
Initial consultation: $130

*rates apply to in-person and online sessions

Insurance

I accept both in and out of network insurance benefits for some plans. I am an In Network provider for most BCBS plans and will file claims for you if desired. However, there are several reasons that you may prefer to not use insurance for counseling services, which are explained in more detail below. For many of these reasons, I am an Out of Network provider for most insurance plans. This means that I ask that you pay the full fee for services at the time of the session, and I provide you with a form that can be sent to your insurance provider for possible  reimbursement of some or all of the session fee. I am also happy to eliminate this step for my clients by submitting this form to your insurance on your behalf, upon request. Depending on your current health insurance provider or employee benefit plan, it is possible for services to be covered in full or in part, as many insurance plans offer out of network benefits. Please contact your provider to verify how your plan compensates you for outpatient counseling services.

I’d recommend asking these questions to your insurance provider to help determine your benefits:

  • Does my health insurance plan include mental health benefits (sometimes called behavioral health benefits)?
  • Do I have a deductible? If so, what is it and have I met it yet?
  • Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
  • Do I need written approval from my primary care physician in order for services to be covered?

Counseling and Insurance Considerations

For some, insurance can be a helpful way to access counseling services at a reduced cost through copays, coinsurance, etc… However, for many people, the following considerations may be an important factor in choosing not to use insurance:

  • Copays, deductibles, and coinsurance amounts may not be significantly less than the full-fee amount.
  • Insurance companies require that a diagnosis be given in order to cover services. This becomes a permanent part of your health record.
  • Some insurance plans limit the number of sessions that you can receive, and often options that may be beneficial to you, such as video/phone counseling, or walk and talk counseling, are excluded from coverage.
  • Other types of counseling services, such as couples counseling, may not be covered. Coverage can also be limited if you need or prefer longer session times, as insurance typically limits the amount of time that they will cover.
  • Private pay counseling affords you complete control over your privacy.

For individuals who prefer to avoid these challenges, or for whom I am an out of network provider, options such as using a Health Savings Account (allowing your pre-tax dollars to be used) maybe a helpful choice. As noted above, many insurance plans also offer Out of Network Benefits, and I will gladly file claims for clients wishing to use these benefits. Lastly, I encourage all clients to discuss concerns related to costs or other financial considerations with me. There may be other options available to make counseling more accessible for your unique situation.

Payment

I accept cash, check and all major credit cards as forms of payment.

Cancellation Policy

If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you may be charged the cancellation rate as outlined in the Financial Agreement of the new client documentation.

Other Questions

Please contact me for any additional questions you may have. I look forward to hearing from you!