Rates & Payments

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We are an out-of-network therapy provider

Private pay, or "out-of-pocket" payment, involves paying for healthcare services directly with personal funds rather than relying on insurance or government programs such as Medicare or Medicaid.

It provides maximum flexibility, allowing patients to choose any provider or service without strict eligibility restrictions.

Benefits of Private Pay

Greater Choice: Access to any provider without restriction.
Flexibility: Ability to customize care schedules.
Speed: No waiting for insurance approval, which can take 45+ days.
Coverage: Access to services not covered by Insurance, Medicare, or Medicaid.

Insurance

We do not work with insurance companies directly. Our services can be billed to most insurance carriers as an out-of-network provider. This means that you would pay us directly then send an invoice to your insurance company for reimbursement.

Why don't you take insurance?

We understand that many people have health insurance and want to use it to pay for their treatment. There are a number of reasons why not using health insurance to pay for mental health treatment may is of benefit to our clients.

In order to bill insurance, we have to provide them with a mental health diagnosis – we have to tell them you are mentally ill. Not everyone who seeks help from a therapist or coach is mentally ill! Many of our clients are struggling with relationship issues, personal goals, and other situations that are normal and understandable. Creating a diagnosis for you and claiming that you have a mental illness when you do not is neither helpful nor ethical.
Insurance companies generally refuse to pay at all for couples counseling or family therapy, since there is no mental illness being treated. (See here for more information: Does Insurance Pay for Couples Counseling?) (Note that if you’ve had a therapist bill insurance for couples counseling in the past, they’ve given you a mental health diagnosis, whether or not they told you about it.)
Having a mental health diagnosis in your medical files can have undesirable repercussions. For example, insurance companies are able to see that and may raise their rates for things like life insurance, health insurance, etc. if you seek a quote. If you have or apply for government clearance, that information is open to them as well. If you are using insurance to pay for therapy, your diagnosis and possibly even session notes are in the control of the insurance company, not yours or ours. They will determine who gets access to those records.
Using insurance to pay for treatment means that someone else has access to your treatment records, even to the point of reading session notes recorded by your provider. Although an employee of a health insurance company is of course prohibited from discussing what they read, for many people the very fact that someone else is reading such private information about them is very uncomfortable!
If you go through insurance to pay for treatment, they get to decide how long and how many sessions you can have, and sometimes even what treatment we have to provide you with. By not being beholden to the insurance company, we are able to provide the treatment that we as experts in mental health and human relationships, in collaboration with you, determine is necessary.

Out-of-network reimbursement

Every insurance plan is different – you will need to find out whether your insurance will pay for you to see an out-of-network provider (us). Specifically, you should find out:

Whether you have out-of-network benefits. If you do, this means your insurance will pay for you to see a therapist who is not in their network of healthcare providers.
Whether they will reimburse the full amount or only a percentage.
Whether you have a deductible. If you do, this means you will have to pay out of pocket until you have paid the amount of the deductible, and only then will your insurance carrier pay for your visits. (For example, if your deductible is $1000, you will have to pay our fee yourself until you’ve paid out $1000 before your insurance will start paying.)
Whether there is a limit to how many sessions your insurance carrier will pay for.
Whether you will have to pay a co-pay (a fixed amount every time you visit, for example, $20) or co-insurance (a percentage of the fee for every visit, for example, 40%).
Whether you need a referral from your primary care physician.

Please note that in all cases payment is due at the end of your session. If you wish to seek reimbursement from your insurance company we will be happy to provide an invoice (sometimes known as a “superbill”) you can send them so that they can reimburse you. Please feel free to contact us if you need further assistance on this topic.