Insurance
* My practice is full and I'm not accepting new clients. *
I am not contracted with insurance panels and am considered an "out of network" provider.
Below is a list of questions to help you navigate working with an out of network provider, if you choose.
I accept FSA and HSA cards via a confidential and HIPAA-compliant third party payer app called IvyPay.
Below is a list of questions to help you navigate working with an out of network provider, if you choose.
I accept FSA and HSA cards via a confidential and HIPAA-compliant third party payer app called IvyPay.
Notice to clients
Under the law, health care providers need to give clients 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, or at any time during treatment. 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, or how to dispute a bill, see your Estimate, or visit www.cms.gov/nosurprises.
You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service, or at any time during treatment. 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, or how to dispute a bill, see your Estimate, or visit www.cms.gov/nosurprises.
Questions for your insurance company
- What is my coverage for an out of network provider? (If they ask for a "CPT or billing code" you can give them 90791 and 90837 for individual therapy and/or 90847 for couples.)
- What is my deductible for mental health services per session?
- Do I have an annual deductible I first have to meet before my benefits kick in?
- How many sessions do I get per year? Is it per calendar year (Jan-Dec) or over a 12-month period?
- Do I require pre-approval or a referral from my primary care doctor?
- What percentage of psychotherapy fees are covered? (Some insurances have a maximum they'll reimburse. Example: They pay 80% of a maximum of $100, which means you'll be paying $80 out of pocket for the $160 fee.)
- What forms do I need to fill out to get reimbursed by insurance?
- Do I have "telehealth" benefits?
Other things to consider
- I am an out of network provider and do not bill insurance companies directly. However, you may get reimbursed for services from your insurance company and I provide monthly invoices upon request. To confirm that you have mental health benefits, please call your insurance provider, give them my National Provider Number (NPI) 1962678482 to see if services are covered.
- Most insurances require a diagnosis on your invoice, which becomes part of your medical record. I include diagnosis codes on all invoices.
- I cannot use FSA/HSA cards to pay for future sessions. It's considered insurance fraud because these accounts are meant to reimburse for services already rendered or to pay for services in real time.
- I do not offer packages. Sometimes things change and it's financially too messy when they do.