Fees & Insurance

I provide a free phone consultation prior to meeting, so I can get a general sense of your reason for seeking therapy, and how I can best help you at this time--i.e., either by making an appointment for us to meet, or by giving you a referral better suited to your needs.

The initial intake session is 90 minutes and has a twofold purpose: for me, to glean enough information to make recommendations and formulate a treatment plan; for you, to get a sense of whether I "get" you and whether you'll feel comfortable working with me. If we need more than the initial intake to make those decisions, we can still do that in ensuing 45-minute sessions (or full hours, if you choose that option). Extensive research indicates that the therapeutic alliance (rapport between therapy clients and their practitioners) is paramount in predicting treatment outcome, so it's important for us both to pay attention to whether we seem to be a good match. If for some reason I do not believe I can adequately help you meet your goals, I will refer you to colleagues.

Once you and I have decided to work together in an ongoing way, sessions will typically be 45 minutes, though they may be 60 minutes upon request.

Current Fees

Initial consultation (90 minutes, CPT code 90791): $650
Follow-up standard psychotherapy sessions (45 minutes, CPT code 90834): $325
Follow-up extended psychotherapy sessions (60 minutes, CPT code 90837): $430

Fee Reductions

Reduced-fee services are available on a limited basis. I am comfortable offering reduced fees to individuals demonstrating either chronic financial hardship or temporary need. Factors that I consider in determining a reasonable fee adjustment include household income, out-of-network psychotherapy reimbursement, debts, dependents, and ongoing medical expenses. If I can't accommodate your financial needs, I will refer you to an individual provider or clinic that likely can.

Insurance

I'm not in-network with any insurance companies, nor am I a Medicare provider. I may be considered an out-of-network provider by your health insurance carrier or employee benefit plan, and I can provide monthly invoices for you to submit to your insurance company for reimbursement. You can check your coverage by giving your carrier the CPT (procedure) codes above and asking the following questions :

Do I have mental health insurance benefits?
What is my deductible and has it been met?
How many sessions per year does my health insurance cover?
How much reimbursement will I receive for the intake and for each therapy session?
Is approval required from my primary care physician?

Please note that if you make tax-free contributions to a health savings account (HSA), you may be able to pay for part of your therapy from this account.

Payment

Payment is due at the time of each session, by either cash, Zelle, or personal check.

Cancellation and Lateness Policies

If you miss or cancel your scheduled appointment without giving me at least 24 business hours in advance, you will be required to pay the full cost of the session. Please note that cancellations of Monday appointments need to be made the preceding Friday by the appointment's start time (e.g., 10 AM on Friday to cancel a 10 AM Monday appointment) in order to avoid the full charge. If you are late, I cannot extend the session to compensate for the missed time; we will still need to stop the session at the scheduled end, and you will be charged for the full cost of the session.

No Surprises Act / Good Faith Estimate

Under the law associated with the No Surprises Act, healthcare providers (including clinical psychologists) must provide an estimate of expected charges for services to patients who don’t have insurance and to patients who decline to use their insurance for those 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 me, and any other healthcare 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 your 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, call me or visit www.cms.gov/nosurprises