OF TWO MINDS PSYCHOTHERAPY
FEES & INSURANCE
My fee is $250 per 50-minute session. I am an out-of-network provider and do not work directly with insurance. Clients pay out of pocket for my services.
I offer extended sessions (60-75 min) and often meet with clients multiple times per week. Having more contact can deepen our work together, facilitating the process of growth and healing in an exponential and often immeasurable way. 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.
DO YOU TAKE INSURANCE?
I am an out-of-network provider and do not work directly with insurance. Because I am not an in-network provider, clients pay out of pocket for my services.
WILL MY INSURANCE CARRIER REIMBURSE ME FOR THERAPY?
Your carrier may reimburse you for a portion of the cost of therapy, depending on your specific plan and coverage. I recommend contacting your insurance carrier to verify this.
If your insurance plan includes out-of-network mental health benefits, I'm happy to create an insurance-ready monthly statement or "superbill" for you to submit to your insurance carrier for reimbursement. You would still pay out of pocket at the time of the session and your insurance carrier would reimburse you directly for a portion of the cost. Many PPO plans include out-of-network mental health benefits, but you should contact your insurance carrier to verify this. The reimbursement rate (typically a percentage of the out-of-pocket cost) varies, depending on your specific carrier and plan. For more information, please contact your insurance carrier.
WHAT QUESTIONS SHOULD I ASK MY INSURANCE CARRIER?
Though this is not an exhaustive list, it may be helpful to ask your insurance carrier the following questions:
Does my plan include out-of-network mental health benefits?
What is the reimbursement rate for individual psychotherapy 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 (45-min sessions of individual therapy)
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.”)
Do I have a deductible that I would need to meet before I receive reimbursement?
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). I accept HSA and FSA cards. Please contact your employer/HR department for more information.
GOOD FAITH ESTIMATE NOTICE
For private pay and uninsured clients:
You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health 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.