30 Minute Introductory Consultation -- No Charge
50 Minute Office/Remote Session -- 132
80 Minute Office/Remote Session -- 182
Hypnotherapy-Only Session -- 72
Out-of-Pocket (Cash, Check, Credit Card)
Health Saving Account (HSA) Card
Flexible Spending Account (FSA) Card
Health Reimbursement Arrangement (HRA)
Insurance Plans without Mental Health Networks (e.g. some union plans)
Select Employee Assistance Programs (EAP)
There are several ways to pay for therapy
Out-of-Pocket. If you are seeking the highest degree of privacy and choice, paying out-of-pocket is your most private choice. Not only will you enjoy the most confidentiality of any payment option, you will not be labeled with a mental health diagnosis, which all insurance companies require. Additionally, our work together will not be affected by any changes in your health plan coverage or network. And depending on your particular tax situation, you may be able to write off therapy expenses.
FSA/HSA/HRA. The next best thing to out-of-pocket, using funds from a flexible spending account (FSA), a health saving account (HSA), or a health reimbursement account (HRA) allows you to use pre-tax dollars to pay for therapy. Because my practice is coded as a health expenditure, your FSA or HSA card will be automatically accepted. HRA accounts are generally accessed through insurance billing, so no card is necessary.
Of course, you can always opt to submit your receipts instead. Only the organization or bank that administers the FSA/HSA account will know about the therapy charges. Note: Your HSA/FSA administrator may require an itemized receipt, including a mental health diagnosis, if you opt to turn in your own receipts or if they decide to audit charges made to your account. These will be supplied upon request.
Out-of-Network Insurance. This is a good option for people who value choice, but would also like to utilize their health insurance benefits. Using out-of-network benefits is very similar to using in-network benefits in that insurance will pay for a portion of each session, although sometimes the percentage they pay is a less than they pay for in-network (70% vs 80%, for example). Most people using this option have me electronically submit the charges directly to their insurance company, but I will supply you with an itemized receipt if you'd like to do it yourself.
There are a few downsides to this option to be aware of. The first is that you will be assigned a mental health diagnosis. Insurance companies require this in order to reimburse for any service. The second downside is that you may have a deductible which must be satisfied before any reimbursement can occur. For some people, this deductible can be sizable. However, many in-network plans also have a deductible, so there may not be a significant difference in out-of-pocket expenses depending on your particular plan.
The best way to find out about your out-of-network deductible and the percentage of reimbursement you can expect is to call your insurance company directly. Here's what to ask when you call. Or, if you prefer, I will contact your insurance company for you. I will then provide you with a written estimate of your financial responsibility. This estimate is not a guarantee of benefits because we cannot know exact coverage amounts until we submit actual charges. However, it should give you a good approximation of what you will owe for each session.
Payment Plans. I offer several flexible payment options to fit your needs so that you may attend therapy as often as you'd like without straining your budget. These plans typically allow for smaller weekly or monthly automatic payments toward your balance and do not accrue any kind of fees or interest. Payment plans can be used in out-of-pocket, FSA/HSA or out-of-network insurance scenarios.
Reduced Fee. I do not offer reduced fee sessions. However, I am able to provide you with at least three referrals to lower cost or in-network options in the area. If this is something you need, please contact me.
*In-Network Insurance. For people who know they want to use their health insurance benefits, this option can by the most affordable (although not always), but it comes with the greatest restrictions and the least amount of choice. In-network means that the therapist has agreed to be a network provider for your particular insurance company. Specifically, this means that in order for the the provider to be paid for each session, they are contractually obligated to regularly communicate information about your treatment goals and progress to your insurance company. The insurance company often uses this information to determine how many sessions they will allow. This also means that you will be required to have a mental health diagnosis.
* Because of the high value I place on your confidentiality and choice when it comes to therapy, I have not signed contracts with any insurance companies. Therefore, you will be unable to use in-network benefits while seeing me.
A few words about mental health diagnoses
A mental health diagnosis is a code assigned to the issue or issues that bring you to therapy. It tells the insurance company what's wrong, how long it may last, and how likely it is to return. We do not yet fully realize the present and future implications of having a mental health diagnosis, particularly with the new laws requiring the interconnectedness of medical records. A mental health diagnosis could potentially affect your ability to purchase quality life insurance, could have future legal or financial implications, or other ramifications we have yet to imagine.
I believe you should be adequately informed in order to make the choice to have a mental health diagnosis permanently added to your health record.