Insurance & Rates

Rates

Private Pay (without insurance)

- Initial Assessment $200.00

- Standard Session $150.00

Insurance

It is your responsibility to contact your insurance company directly to confirm they have me listed as In-Network. I am contracted with the following insurance companies:

- BCBS

- Optum Network (Harvard Pilgrim, United, Allways)

Utilizing Your Insurance

Depending on your current health insurance provider or employee benefit plan, it is possible for services to be covered in full or in part. Please contact your provider to verify how your plan compensates you for psychotherapy/behavioral health/mental health services. It is recommended that you consider asking these questions to your insurance provider to help determine your benefits:

- Does my health insurance plan include mental health benefits?
- Do I have a deductible? If so, what is it and have I met it yet? If not, what will be my responsibility per session?
- 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?

Notice

In order for therapy to be covered by insurance, there must be an “identified client” (IC). The IC MUST qualify for and be diagnosed with a mental health disorder using the DSM-V for the insurance company to deem the service to be “medically necessary”. If the insurance company does not deem the service to be “medically necessary”, they WILL NOT COVER IT. Insurance companies can deny payment for services if that do not find medical necessity and can even recoup payment for services at a later date. If this occurs, the client is always responsible for payment.

Payment

All payment is due at the time of service. This includes any co-pays or co-insurance associated with the coverage provided by the primary insurance provider. A credit card will be kept securely on file through the Electronic Health Record (EHR) System, Simple Practice. The card on file will be charged at the time of the session unless the client requests to use another form of payment. Visa, Mastercard, American Express, Personal Check or Cash are all accepted.

There is a 24-hour cancellation policy. An appointment must be cancelled or reschedule at least 24 hours before the scheduled time. If you do not provide notice of cancellation at least 24 hours prior to the time of your scheduled session, you will be responsible for a $100.00 cancellation fee. Any appointment missed without prior notification will also warrant the $100.00 cancellation fee.

Good Faith Estimate

Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a medical plan or have coverage or eligible for a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges.

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 clients 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 rights to a Good Faith Estimate, visit www.cms.gov/nosurprises