Payment Information
I am an out-of-network provider which means I don't work or contract directly with insurance. You are responsible for paying in full after each session but I do provide superbills for you to submit for reimbursement through your insurance provider.
Understanding your Out-of-Network Benefits
Go to your insurance company website and log in to your portal (links below to common login pages)Aetna United Healthcare Anthem Blue Cross Blue Shield Carefirst Blue Cross Blue Shield Cigna Kaiser Permanente TricareFind information about “my plan” or “my benefits” where you can read through a summary of what coverage you have. Look for “out of network (OON)” benefits to see if they provide reimbursement for “behavioral or mental health services”. You could also call, chat online, or email. Call and chat options should be able to give you the information you need on the spot.See more detailed information below
I am also proud to be partnered with
the amazing non-profit
To provide an option to families who are limited financially, I work with Free2Talk. For someone 18 or younger, they directly cover 80% of the session fee for 16 sessions. This means you are only responsible for 20% (less than $50).
You may qualify due to lower income, no insurance, a high deductible plan, or a plan without out of network benefits.
You can complete a brief application on their website. If you first speak with me, then you can identify that you were referred by me on the application. Please view their information here to apply.
On a limited basis I can also provide reduced fees based on financial and treatment needs. Priority is given to those who identify as being part of minoritized groups.
Questions to ask your insurance provider
Do I have out-of-network benefits?
Do my out-of-network benefits cover routine outpatient mental health services (also known as behavioral health)?
What is my out-of-network deductible?
This will let you know how much money you need to spend out-of-network before your benefits will kick in.
How much of my out-of-network deductible has already been met?
Finding out how much you’ve already spent will let you know how much more you need to spend in order to meet your out-of-network deductible.
What is my coinsurance?
This is the percentage amount that your insurance company will reimburse you for each visit (after your out-of-network deductible is met). Let’s say your therapy visits are $150 per session and you have a 60% coinsurance. This means your insurance company will reimburse you for 60% of the session fee, which is $90. After reimbursement, you will only come out of pocket $60 per visit.
How do I submit for reimbursement?
Typically, you will need to obtain a Superbill and submit it to your insurance company. A Superbill is a document that I will provide to you that will include dates of service, a diagnosis code, a CPT code, and my NPI and EIN numbers. Insurance companies have different ways to submit the Superbill, typically an online option is available. You would upload the superbill and provide any other information they ask for.
How long do I have to submit my Superbill?
There is usually a time period after the “date of service” to submit the Superbill to your insurance company for reimbursement.
Check out this guide on understanding out of network benefits for more information.
Good Faith Estimate
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 or call 800-985-3059.