Investment & Rates

Investment

Rates are specific to therapist & can be found under “Team” tab

You are able to use HSA and FSA for your self pay sessions.

Self pay clients can also check “out of network” benefits. If you have out of network benefits- we can supply you with a superbill (fancy word for receipt)- for insurance reimbursement.

Payment

We accept cash, check and all major credit cards, including HSA and FSA accounts, as forms of payment.

Payment is made the day of session utilizing the card on file via your client portal- if you wish to use another card for payment, you can speak to your therapist.

Insurance

INSURANCE:

We are not a paneled provider with insurance companies, but provide a claim form and/or receipt that can be submitted to your insurance company for out-of-network reimbursement. These are provided upon request. Reimbursement amounts depends on your insurance company, policy and deductible. Expenses for mental health are also often tax deductible as a medical expense. 

I’d recommend asking these questions to your insurance provider to help determine your benefits:

• Does my health insurance plan include out of network mental health benefits?
• Do I have a deductible? If so, what is it and have I met it yet?
• 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?

Benefits of being a private pay client:

  1. ​​​You choose the provider that you think is best fit for you. You are not limited to the insurance panel options. ​

  2. Many health insurance companies require that every client be diagnosed with a specific mental health condition in order to receive treatment or have your treatment covered. To be approved for therapy, the therapist must make a case that therapy is "medically necessary" which involves labeling the client with a mental health diagnosis. This is often required after the first visit, and then becomes ​ part of the client's permanent health record.  In addition to this, health insurance companies usually limit you to discussing only issues that pertain directly to your diagnosis. Unfortunately, this sometimes means that insurance companies won't cover issues you may need to address (such as relationship or work issues). Through private pay- therapists don't need to provide a diagnosis in order to provide services. Therefore, a provider is able to work with you on any presenting issue.

  3. You aren't restricted to a certain number of sessions. 

  4. Your psychiatric provider has the freedom and flexibility to think outside the box and engage in therapy options that may not be approved  by health insurance companies.

  5. Your mental heath records won't be used against you. All psychiatric healthcare providers are required by federal law to keep confidential records. When you choose to use your insurance company, your psychiatric provider must ask you to sign a waiver that allows them to communicate this confidential information to your insurance company. This confidential information includes dates of service and a mental health diagnosis. In the event your insurance company requires preauthorization for treatment and/or reviews your file, additional information, such as therapy session notes must be provided to your insurance company.​ 


​GENERALLY, I DO NOT BELIEVE INSURANCE DECIDING WHAT TREATMENT YOU GET…. IS IN THE BEST INTEREST OF ANY CLIENT

Something else to consider is that this information becomes part of your record and could be used by insurance companies to raise your rates, as well as prevent you from obtaining life insurance or disability insurance. It could also prevent you from obtaining private health insurance should you make the decision to become self-employed in the future. 
Importantly, the personal details of therapy are often entered into a database called the Medical Information Bureau (MIB) by your insurance company. The medical information of millions of people is currently housed in this database. Other providers, insurance companies and even non-medical services like personnel departments may have access to this information for the purposes of evaluating you and negotiating corporate group rates.