Private pay keeps things simple, for both of us. It allows us to focus entirely on your goals and move at a pace that is right for you and only you. I understand private pay comes with budgeting conversations and I welcome them. Let's talk through the right frequency and rhythm of therapy for you.
Please see below for payment, reimbursement, and out-of-network options. View options ↓
I don't bill insurance directly, but that doesn't have to mean paying entirely on your own. Here are the ways you can pay, and how you may be able to get some of it back.
I accept Visa, Mastercard, American Express, and Discover. Payment is collected at the time of each session, so there are no surprise bills later.
If you have a Health Savings Account or Flexible Spending Account, you can usually use that card to pay for therapy. Mental health counseling is generally considered a qualified medical expense, which means you're paying with pre-tax money.
It's a good idea to confirm with your plan administrator, as some plans have their own requirements.
A superbill is a detailed receipt with the information your insurance company needs to process a claim, including dates of service, session codes, and a diagnosis code. You submit it to your insurer, and they reimburse you directly according to your plan.
Let me know ahead of time and I can plan to provide you a superbill.
Many insurance plans, especially PPO and POS plans, include "out-of-network" benefits. This means your insurance may cover part of the cost of seeing a provider who isn't in their network, like me.
Typically, you'd pay for sessions up front, submit a superbill, and receive a partial reimbursement once your out-of-network deductible has been met. Depending on your plan, this can meaningfully lower the cost of therapy.
Reimbursement depends entirely on your individual plan and isn't guaranteed. I'm happy to talk through any of this during your free consultation. If you're paying without insurance, you're also entitled to a Good Faith Estimate of your expected costs.