Payment and Policies
$150 per 60 minute session.
Now accepting Blue Cross Blue Shield (Carefirst) Insurance. Please contact your insurance company to verify benefits.
All other insurances: Depending on your current health insurance provider or employee benefit plan, it is possible for services to be covered in full or in part. Please contact your provider to verify how your plan compensates you for psychotherapy services.
I’d recommend asking these questions to your insurance provider to help determine your benefits:
Does my health insurance plan include mental health benefits?
Do I have a deductible? If so, what is it and have I met it yet?
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?
I am an authorized non-network, non-participating providers with TRICARE*. This means that I have been certified by TRICARE to provide services to their subscribers. I submit claims on your behalf, and I accept the fee that TRICARE allows, based on the terms of your benefits plan. You are not balance-billed for the difference between my usual fee, and the fee allowed by TRICARE. You are financially responsible for any co-payments/cost-shares, deductibles, and non-covered services.
Referrals and Authorizations: TRICARE East Region benefits are administered by Humana Military. Depending on your plan (Prime versus Select, active duty versus retired, etc.), you will need to take certain steps prior to your initial appointment to make full use of your benefits:
TRICARE Prime subscribers can self-refer for counseling and psychotherapy services, but need to get a referral from their Primary Care Manager (PCM) to a specific therapist prior to any testing service.
TRICARE Select allows subscribers to self-refer to a provider of their choosing without a referral from their PCM.
Active Duty military can request a referral from their PCM to receive services from any provider in my group.
* Please note: although I submit claims to TRICARE on your behalf, as non-participating providers I do not accept assignment of benefits. This means that payment is required at the time of service, and that TRICARE will send you the benefit check after they process the claims that I send to them.
Providers electing not to accept assignment of benefits (i.e., non-participating) are permitted by TRICARE to charge a fee that is 15% higher than TRICARE’s usual allowed fee. Please visit the TRICARE website for more information about this.
I accept cash, check, all major credit cards and HSA (Health Savings Account) cards as forms of payment.
If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand.
Otherwise, you may be charged a $50 late cancellation fee. NO SHOW will be charged the full appointment fee.
Why I am an Out-of-Network provider
Over saturated market:
Insurance companies do not always accept applications, and this does not mean the therapist is not qualified or a good therapist.
Sometimes, a certain zip code, like Annapolis is "over saturated," so the therapist cannot apply to accept that insurance in-network even if they are the best therapist in Annapolis, or in the city.
Insurance companies do not always reimburse on time, or at all, depending on whether they deem the paperwork appropriately completed.
Insurance companies do not reimburse a reasonable or livable wage. The rates that therapists are reimbursed from insurance have generally not changed in decades. Therapists who have worked "in-network" with insurance companies for over 20 years request an increase in their reimbursement every year and are consistently denied.
Insurance companies can limit the amount of sessions you are allowed, so the therapist can only receive payment from the insurance company if you are "in crisis," or only for your first few sessions. This puts both you and your therapist at risk of cutting your work short, rushing your work together, or not reaching your fullest potential. Often, healing can be unpredictable. Some people overcome an obstacle in 5 sessions, others need 25, others need 365. To receive payment from insurance companies, therapists need to assign you a "diagnosis." This diagnosis can be carried with you in certain circumstances. For example, if a court for any reason orders to see your treatment history, the insurance company will be required to share that information. Like me, many of you may be receiving (or seeking) therapy for general life stress or circumstances that do not otherwise fall under a formal "mental illness" or "diagnosis."
You may also respect the general notion of privacy. You may not want this diagnosis on your record.
Having a diagnosis (for example, depression) on your record may prevent you from receiving other types of desired insurance, like life insurance, despite your being deserving of equal access.
Out of Network Benefits:
Sometimes, your co-pay is still quite high. Based on the information below, your Out of Network benefits may actually make seeing a therapist who is not in-network with your insurance company just as affordable, or even more affordable, than going in-network.
Using insurance makes it much harder to choose your own therapist, and causes you to be limited by who accepts your insurance in-network and who has availability in their practice. Your plan may have a high deductible (more on what this means below), meaning you would be paying fully out of pocket for months before your insurance benefits kick in anyway.
You may find you call 10-20 named in your insurance list before receiving a call back, only to learn the person who is calling you back does not have availability for another few weeks.
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.
This list is not exhaustive, but provides a glimpse into the ways the working with a therapist outside of insurance may actually empower you to feel more independent and more in control of your own work and progress, without being at the mercy of an external third party.
What does "Out of Network" Mean?
These things called "Out of Network Benefits" can be a tremendous cost-saver if you have them. Through Out of Network benefits, you may be able to receive money back from your insurance company even if you are seeing a therapist who is not "In-Network."
Out of Network implies that the therapist is not "in-network" with your insurance company, meaning the therapist is not in your insurance company's directory, or "yellow pages."
However, insurance companies recognize that they do not work with every single therapist. They also recognize their in-network database cannot accommodate the demand for therapy, and they likely do not work with enough therapists who have open availability.
Based on your specific plan, or how much you have spent on healthcare expenses otherwise, the insurance company will pay you money back after your sessions to help your work with your therapist become more affordable for you.
Your deductible is how much money you have to spend before the benefits of your specific insurance plan kick in. For example: If your deductible is $1000, you need to spend $1000 out-of-pocket before your out of network benefits kick in. If you are paying your therapist $150 per session, you will pay for 7 sessions out of pocket, and then your out of network benefits will kick in.
Often, insurance companies will cover a percentage of your out of network spending, after you meet your deductible.
Your out of network benefits pay 80% of your session fee after you "meet your deductible.”
-Your deductible is $1000,
-You pay your therapist $150 per session,
-After 7 sessions, you meet your deductible
-You receive $120 back from your insurance company per session (80%)
-Your out of pocket cost is $30 per session
*Your out of pocket spending does not need to be on therapy -- it is possible you have already "met your deductible" through other healthcare spending.*