Health Insurance

I am currently credentialed with Blue Cross Blue Shield, Aetna, and Optum. Optum is a service through United Healthcare and also includes Harvard Pilgrim Healthcare. If you are unsure if I am within your insurance's network, I am happy to review that information with you prior to intake.

 

Fees

Consultation

In our call, I will help you to determine if my services are the best fit for you.

15 minutes - FREE!

Intake Session

90 minutes - $175

This is the initial session where I will ask what brought you to therapy and will include a detailed assessment of your current needs that will guide the treatment plan.

Ongoing Sessions

60 minutes - $125

Sessions can be conducted on a weekly or bi-weekly basis depending on your current needs and your own preferences.

Ongoing Sessions

45 minutes - $100

Sessions can be conducted on a weekly or bi-weekly basis depending on your current needs and your own preferences.

 

Reimbursement

I am an out-of-network (OON) provider and do not accept insurance as a form of payment. But that doesn't mean that you still can't make use of your insurance benefits!

Health insurance is great to utilize! However, sometimes insurance can get in the way of you getting the level of care you deserve. With mental health services, there are three main issues to consider when trying to use your benefits:

  1. Privacy concerns: When you use your insurance, your records can be viewed by the agency. This can cause people harm if you work in fields (e.g., the army, politics, ect.) where your diagnosis is something that you do not want to share. 

  2. Insurance companies are in charge of your care: When using insurance, your therapist may not be able to provide quality services because it is not something they cover. Only diagnosable conditions are covered, the length of service can be shortened, and you may be limited in how many sessions you're able to have per week. All of this means you aren’t always receiving the quality care that you deserve.

  3. Life changes happen: If you switch jobs, or your job switches insurance providers, you may be vulnerable to needing to switch your therapist, after gaining trust, building a relationship, and reaching new levels of strength and security and not wanting to start over with someone new.

  4. More costly: Believe it or not, many times you end up paying more for therapy when billing insurance. This varies on a case-by-case basis, but if you have a high deductible to meet, you are often coming out of pocket more than you would if you pay out of pocket. 

Private pay allows you a lot more control of your mental health services. It helps you:

  • Get the care you actually need. Simply put, you won’t be limited in your care! Choose any therapist you want, and get the care you need regardless of whether or not you have a diagnosable condition.

  • Get as many sessions as you need.  No longer do you have to worry about limited numbers of appointments. You can have as many as you want or need to heal. 

  • Get fully focused care. Work with a therapist who has more time and freedom to heal you and help you prosper in life.

Want to use your Out-of-Network (OON) insurance benefits?
I can provide you a Superbill (receipt for services provided) that you can submit to your insurance company for possible reimbursement. Out-of-network benefits, often included with most PPO plans, allow you to see any therapist regardless of whether they're in-network. You will still need to pay for the appointment up-front and your insurance can reimburse you directly.

You can also take advantage of your HSA account and/or FSA accounts to cover your costs! Just because I'm private pay does not always mean I'm more expensive!

Additionally, there are services available that can help you submit your Superbill to your insurance for reimbursement. Please ask and I can point you in the right direction!

 

How do I know what my benefits are?

Though talking with insurance providers (or, let's be honest, making an IRL phone call) can be intimidating, I urge you to take a few minutes to make the call. The call likely won't take more than 10 minutes and you'll be so relieved to know this information. It may mean a lot of savings for you.

Call the number on your insurance card and ask:

  • "What percentage am I reimbursed for routine behavioral health care out-of-network?"

  • "What is my deductible?"

  • "How much of my deductible have I already met?"

  • “Is there an “allowable amount” for behavioral healthcare?

With the above information, you will learn what amount you have to spend for your benefits to kick in (your deductible), and you will learn how close you are to that. You will also learn what percentage insurance will pay you back once you reach that point.

Smart Phone Call