Accepted Forms of Payment:

1. Private Pay: Payment for services is due the day services are provided. We do require that a valid credit card be kept on file for all clients. Your credit card on file will be billed the morning of your scheduled session. We accept payment directly from clients. This includes cash, checks, or credit/debit cards. Payment is typically collected at the time of each session unless alternative arrangements have been made in advance.

2. Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs): If you have an HSA or FSA through your employer, you may be able to use those funds to cover therapy expenses. Please check with your provider to determine eligibility and any necessary documentation.

3. Out-of-Network Insurance Coverage: While I am not an in-network provider for insurance plans, I am considered an out-of-network provider. This means that you may be eligible for reimbursement from your insurance company for a portion of the therapy fees. It is essential to understand your insurance plan's out-of-network benefits, including any deductible, co-insurance, or pre-authorization requirements.

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Cancellation Policy

If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand otherwise, you will be charged for the full rate of the session.

Insurance

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It is the client's responsibility to verify their out-of-network coverage and understand the specifics of their insurance policy, including any limitations or exclusions that may apply to mental health services. I can provide you with a superbill or invoice that includes the necessary information to submit to your insurance company for potential reimbursement.

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We would recommend asking these questions to your insurance provider to help determine your out-of-network benefits:

• Does my health insurance plan include mental health benefits?

• Does my plan cover out-of-network services?

• Do I have a deductible? If so, what is it and have I met it yet?

• If I have a copay for therapy, how much is it?

• Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?

• Do I need written approval from my primary care physician in order for services to be covered?

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A note about Couples Counseling: Most insurers do not cover or reimburse couples counseling at all, even out of network. These are some questions you should ask your insurer to find out if yours does provide coverage:

• Specifically ask, “Do you pay for diagnostic code Z63.0 – Problems in relationship with spouse or partner”

• If they do, ask them what procedure code it should be billed under. Make them look it up and give you a reference. Ask how many sessions they will cover. Have them provide that information to you in writing.

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Please note that reimbursement amounts and policies vary widely across insurance providers and individual plans. It is advisable to contact your insurance company directly to inquire about your out-of-network mental health benefits and reimbursement process.

 

Any outstanding balances or denied claims will be the client's responsibility to settle.