Fees and Financial Policy

Payments

Payment in full, or a co-payment if insurance coverage is established, is expected at time of service. I accept cash, check, and credit cards.

Insurance coverage

I participate on only a couple of insurance panels as an in-network provider. If you would like to use your insurance let me know your provider and we can discuss options. If I do not accept your insurance, I will provide you with a comprehensive billing statement that you can submit to your insurance company for potential reimbursement.

If your insurance includes a Health Spending Account (HSA) or Flexible Spending Account (FSA) you may be able to use those funds to for mental health services. Consult with your insurance company to see if you have one of these accounts and how the funds may be used.

Private pay

Due to the challenges for independent providers to negotiate with large insurance companies, in most cases I will not be able to bill your insurance company and you will have to pay out-of-pocket. I will provide you with a comprehensive billing statement that you can submit to your insurance company for potential reimbursement.

In addition, even if you do have insurance coverage there are advantages and drawbacks to out-of-pocket payment versus using insurance coverages. The most obvious and biggest drawback of out-of-pocket payment is that it is an immediate expense. However, advantages of private pay may make the expense worth considering. Most insurance companies require a mental health diagnosis in order for therapy to be covered. When clients pay out-of-pocket, there is no requirement of a mental health diagnosis for treatment. Additionally, clients who pay out-of-pocket are guaranteed that the only people who know any of the details of therapy are themselves and their therapist. Aside from legal limits to confidentiality, therapy is completely confidential, without any third party being privy to information exchanged in session.

Administrative services

Administrative service requests (such as FMLA paperwork, letters for emotional support animals, disability paperwork, consultations with other therapists or doctors, etc.) will be billed at an hourly rate and are not covered by insurance.

Cancellations and No-shows

Cancellations made within less than 24 hours notice, or missed appointments without notice, will be subject to a late cancellation fee.