I am not currently on any health insurance panels, but many plans do provide reimbursement for out-of-network therapy sessions. I’m happy to provide a superbill, so you can submit a claim for insurance reimbursement, if your plan offers it. I also offer sliding scale (see below).

If you need to use an out-of-network plan, you will want to call your insurance company to ask:

• Do I have mental/behavioral health insurance benefits?
• What is my out of network, mental health benefit reimbursement rate?
• Do I have a deductible, and has it been met?

Bear in mind you may also pay using your Flexible Spending Account (FSA) or Health Spending Account (HSA) card for sessions.

Why am I Out-of-Network?

Being out-of-network enables me to:

• Provide phone or video sessions without fear of insurance denying payment for these sessions.

• Determine whether or not diagnosis is appropriate, and keep your diagnosis confidential, as applicable. Insurance companies require and evaluate a diagnosis as justification for beginning in-network coverage.

• Avoid having an insurance company dictate how our sessions together are managed.

• Avoid having an insurance company dictate whether our sessions are appropriate for you, and the value of our work together. 

If you Can’t Afford my Fee

If you don’t have out-of-network reimbursement, or a high deductible that has to be met first, or if for any reason my fee isn’t sustainable for you based on your income and other expenses, I offer what’s referred to as “sliding scale.” Sliding scale means I provide therapy at a reduced rate for you. This rate negotiated between us. I do not require proof of income for sliding scale. I have a limited number of sliding scale slots available. The more regular clients I have who can pay my fee, the more I can open slots for sliding scale. 

No Surprises Act

As required by the ‘No Surprises Act’ of 2020, all mental health providers are required to ask about client’s insurance coverage (including whether clients intend to submit claims to their insurance company) and to provide a ‘Good Faith Estimate for Heath Care Items and Services’ to all self-pay or uninsured clients when care is scheduled, and/or when requested by the client. I will provide this estimate to all self-pay and uninsured clients at the beginning of treatment and annually thereafter. A Good Faith Estimate is not necessary at this time for clients who are planning to use their insurance benefits to cover their services, but all clients have a right to request a Good Faith Estimate at any time.