In some cases, you may be eligible to use your out-of-network insurance benefits. You will be responsible for paying each session in full at the time of the appointment. Upon your request, I can provide a receipt ("Superbill") that you can submit to your insurance for partial reimbursement.

Please know that not all insurance plans offer reimbursement. If you have out-of-network benefits, you may receive up to 60-80% reimbursement of the cost of each session. I recommend you contact your insurance directly to find out about your policy's mental health benefits.

I recommend contacting your insurance directly and ask them how to send the Superbills to them. Once you submit the Superbills, you will wait for reimbursement via check.

I recommend you ask your insurance the following questions:

• Do I have out-of-network outpatient mental health coverage? Am I able to use these benefits for telehealth?

• What is my out-of-network deductible, and how much of it has been met this year?

• Do I need a referral from an in-network provider to see someone out-of-network?

• What percentage of outpatient psychotherapy sessions are covered per session?

• How much will I be reimbursed for a psychotherapy session (CPT Code: 90837)?

• Does telehealth/virtual therapy qualify for reimbursement?

• How do I submit claim forms for reimbursement?

• How long does it take for me to receive reimbursement?

If you don't want to deal with contacting your insurance directly, you can utilize my partnership with Thrizer! I have partnered with Thrizer to help clients use their out-of-network benefits to save money on therapy. Please ask about this feature during your free consultation call!

That's a great question. I choose to not be paneled directly with insurance because this allows us to get the most out of our treatment together while keeping as much confidentiality as possible.

I work with many clients who value confidentiality. Utilizing your insurance benefits is not a completely confidential process.

Additionally, insurance companies can dictate length of treatment, and require that you are diagnosed with a mental health disorder for therapy to be covered by insurance (even if you are using out-of-network benefits). A mental health diagnosis remains permanently on your health record.

Insurance companies also have the right to audit your chart and request access to your therapy notes, asking questions about your treatment.

Clients that choose not to use any insurance benefits appreciate that their sessions are confidential and that their records are secure. These clients also recognize that we have more flexibility over our work together, without insurance dictating things about their treatment.

Under this law that went into effect January 1, 2022 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 expected charges for medical services, including psychotherapy services.

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services. You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a 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.