Payment and Policies

Rates

$150 per 60 minute session.

Insurance-

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?

 

TRICARE

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.

 

Payment

I accept cash, check, all major credit cards and HSA (Health Savings Account) cards as forms of payment.  

Cancellation Policy

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. 

 

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.

 

Deductible:
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.

Percentage reimbursement:

Often, insurance companies will cover a percentage of your out of network spending, after you meet your deductible.

Example: 

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.*