About Insurance Benefits

I am an out-of-network provider, which means I do not bill insurance directly and collect my full fee at the time of service. Many insurance plans include out-of-network benefits that allow you to be reimbursed for a portion of what you pay. When those benefits are in place and a deductible has been met, reimbursement typically ranges from 50 to 80 percent, bringing your effective cost per session to roughly $35 to $87.50.

The details vary by plan, so it is worth calling your insurer before your first session to understand what your coverage actually includes.

Questions to Ask Your Insurer

To find out what you're eligible for, it helps to call your insurer before your first session and ask:

  • Do I have out-of-network benefits for therapy sessions?

  • What is my out-of-network deductible, and how much of it has been met?

  • What percentage of the session cost will I be reimbursed for?

  • Do I need prior authorization for out-of-network services?

  • How do I submit or track a claim for reimbursement?

While I collect my full fee at the time of service and do not bill insurance directly, I can submit claims to your insurer on your behalf, a service known as courtesy billing. When reimbursement applies, most clients receive payment from their insurance company by mail within a few weeks. Clients can also file their own claims, and I can provide a detailed receipt or superbill for each session.

If a claim is denied or delayed, clients are responsible for contacting their insurer to follow up. I am happy to update and resubmit claims as needed, but direct communication with insurance providers must be managed by clients.

Courtesy billing is a convenience, not a guarantee. Reimbursement amounts and timelines vary by plan, and the option is not always available.

Why I practice exclusively out-of-network

  • Greater Privacy

    Out-of-network, the only information shared is the date of service, procedure code, fee, and diagnosis. Everything we discuss stays between us.

  • No external limits on care

    We decide together how long and how often we meet, based on what actually helps, not what a third party approves.

  • Consistency of therapist

    Choosing an out-of-network therapist removes the risk that your plan will suddenly stop covering your therapist the following year.

  • Focus stays on the work

    Direct payment keeps the relationship straightforward. No surprise denials, no appeals, no need to justify continued treatment to a case reviewer.

Request Appointment

If you have questions about your out-of-network benefits or how the reimbursement process works, feel free to reach out. If you're ready to get started, you can request an appointment directly through my scheduling portal.