Fees & Pricing

Do you accept insurance?

I am not “in-network” with any insurance, which means I do not accept any insurance directly. Clients pay by keeping a card on file that is charged after every appointment. At your request, I can provide a “Superbill,” which is an itemized receipt of the sessions that you can submit for “out of network” reimbursement. My rates for therapy range from $165 to $215, depending on the type and length of service provided. In order to provide you with a Superbill, I am required by the insurance companies to give you a psychiatric diagnosis to prove “medical necessity.” I will of course discuss with you any questions or concerns you may have about this.

 

What if I don’t have insurance or the ability to pay for therapy?

I am a registered provider to accept payment for sessions through the Pennsylvania Victim’s Compensation Assistance Program if you are a victim of a crime in the state of PA. Survivors of sexual assault (in childhood or adulthood) are not required to have reported the crime to police and are eligible for up to $5,000 in funding for therapy services if the crime occurred in adulthood and $10,000 if the crime occurred in childhood. Reach out if you have questions, and I would be happy to provide more information. Consider filling out the form for the Compensation Fund.

 

How do “Out-of-Network” benefits work?

Out-of-Network benefits mean that instead of paying a co-pay like you would with an in-network provider, you pay the provider’s fee up front at the time of service. You then are able to submit the “Superbill” to your insurance company (typically through a member portal online), and your insurance company may reimburse you a percentage of the fee for therapy after a deductible (a dollar amount you pay before insurance begins to pay/reimburse anything) is met. This dollar amount can vary widely, from hundreds to thousands of dollars.

 

How do I know if I have Out-of-Network benefits?

Typically, if your insurance card includes words like “personal choice”, “preferred provider” or "PPO,” that means you have out-of-network benefits. If your insurance card includes letters/words like “HMO,” that likely means you do not have out of network benefits. The best way to verify this is to call the member services number on the back of your insurance card.

 

What questions should I ask when calling the insurance company?:

• Do I have out-of-network benefits for outpatient mental health services?

• Are telehealth services eligible for reimbursement (if you are wanting to continue doing therapy via telehealth)?

• Your insurance company may ask you what the “service code” is.

                             Here are the service codes I may use:

                             90791: Psychiatric Diagnostic Evaluation (For first appointment)

                             90837: 60 minute psychotherapy90834: 45 minute psychotherapy

                             90847: Family Psychotherapy with patient present90846: Family Psychotherapy without patient present

                             90832: 30 minute psychotherapy (would only be used if session is cut short for any reason)

• What is my deductible? You may want to ask if there is a separate individual and family deductible, if you are on a plan with others from your family. This means that if your family meets the family deductible (for example: if one of your family members had many medical expenses) then insurance starts reimbursing right away even if you have not had any other medical expenses prior to starting therapy.(If you do have out-of-network benefits)

• What percentage of the fee is reimbursed after I (or my family) meet the deductible?

• Is this percentage calculated from the therapist’s fee or a “usual and customary” rate?*

 

*A ‘usual and customary’ (UCR) rate is a dollar amount that is often difficult to obtain from the insurance companies, as they typically prefer to keep this number secret. For example, if your insurance company says they reimburse 50% after the deductible is met, but they only reimburse 50% of the UCR amount rather than the therapist’s fee, then the amount you receive in reimbursement may be less than 50% of the therapist’s fee.

 

Why do I not take insurance?

Insurance companies often like to dictate the type of treatment you are able to receive or the amount of sessions you are able to have per year. I know that humans are complex and don’t work like that, and true healing and change doesn’t come in a pre-designed package that doesn’t take your individuality into account. I value and commit to being able to treat you like the unique human you are and tailor treatment to what will be most effective for you.

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