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FEES & PAYMENT

My fee is $225-240 per 50-minute session, depending on the nature of the services you're requesting. Please contact me to discuss this. I am sometimes able to offer a reduced rate, depending on your financial circumstances and the availability of low fee hours in my practice at the time. If I am unable to accommodate you, I will do my best to provide you with appropriate referrals. I accept checks, cash, Google Pay, the Cash App, credit cards, and FSA/HSA cards.


I offer extended sessions and multiple sessions per week. For clients who are meeting with me multiple times per week, I am sometimes able to offer a reduced rate in the service of deepening our work together. In my experience, meeting several times per week profoundly enriches the work of psychotherapy. Having more contact often facilitates the process of growth and healing in an exponential and quite often immeasurable way.

 

INSURANCE FAQS

DO YOU TAKE INSURANCE?

I am an out-of-network provider and do not work directly with insurance.

WILL MY INSURANCE CARRIER REIMBURSE ME FOR THERAPY?

If your insurance plan includes out-of-network mental health benefits, I am happy to create an insurance-ready monthly statement or "superbill" for you to submit to your insurance carrier for reimbursement. What this means is that you would pay out of pocket at the time of the session and then your insurance carrier would reimburse you directly for a portion of the cost. Most PPO insurance plans offer out-of-network mental health coverage, but the reimbursement rate (typically, a percentage of the out-of-pocket cost) varies based on your specific carrier and plan. I recommend contacting your insurance carrier for more information.

WHAT QUESTIONS SHOULD I ASK MY INSURANCE CARRIER?

Here are some helpful questions to ask when contacting your insurance carrier:

  • Does my plan include out-of-network mental health coverage?

  • What is the reimbursement rate for individual psycotherapy with an out-of-network Licensed Marriage & Family Therapist (LMFT)?

  • If they ask for a service code, procedure code or CPT code, you can provide them with the following:

    • 90834 (for 50-min sessions)​

    • 90837 (for 60-min sessions)

  • What is the allowed amount for the service codes listed above? (This is the maximum amount a plan will pay for a covered health care service. It is also sometimes called an "eligible expense," "payment allowance," or “negotiated rate.”)

  • What is my deductible?

CAN I USE MY HEALTH SAVINGS ACCOUNT (HSA) OR FLEXIBLE SPENDING ACCOUNT (FSA) TO PAY FOR THERAPY?

Therapy sessions may be covered by a Health Savings Account (HSA) or Flexible spending accounts (FSA) and I do accept HSA and FSA cards. Please contact your employer/HR department for more information.

 

Of Two Minds Psychotherapy

Katie Flach, MS, LMFT (they/them)

415.841.3338

PO Box 110334, Campbell, CA 95011

Life is traumatic. Therapy doesn't have to be.

The lost home that we are seeking is ourselves; it is the story we carry within our soul.
– Michael Meade