Payments and Insurance
This is plain talk about how the financial arrangements can be handled if we decide to work together. When people consider therapy, the reality is that cost is sometimes a roadblock to making the choice to pursue becoming more fully alive.
These are the ways we could arrange the finances so that we can work together.
- Insurance pays – minus your deductibles and copays. I currently work with several insurance companies that allow me to submit claims for therapy services. There are some insurance companies I don’t work with. We would figure this out as part of your decision whether to move forward with therapy.
- Pay me directly – my current rate for a 50 minute session is $150. Payment due at time of service.
- Seek reimbursement after paying for service – Pay me at the time of service and seek reimbursement from your insurance company for “out of network providers.” Depending on your insurance provider, they may reimburse you for all, none, or part of the amount you paid me. Check with them about how they handle out of network providers.
- Sliding fee scale available in certain situations – In some cases, based on financial circumstances, I will work with clients to pay me directly based on an income linked sliding fee scale. This would be negotiated at our first meeting.
Consider this when deciding which way to go.
When you use insurance (either submitting claims or submitting invoices already paid for reimbursement) the insurance companies require that a diagnosis be recorded as part of your permanent medical record. At times those diagnoses can impact clients in unexpected ways.
Paying out of pocket for your own services means that your medical history is completely private. It is up to you to assess what path to choose if we begin a therapy relationship.