Insurance and fees

I am an out-of-network provider, which means I do not bill insurance directly. This allows me to offer care that is guided by your goals, not insurance requirements, and to prioritize privacy, depth, and flexibility in our work together.

I do provide superbills that you can submit to your insurance company for possible out-of-network reimbursement. Many clients are able to receive partial reimbursement depending on their plan and deductible.

Insurance companies often require a diagnosis, ongoing progress reports, or access to clinical information to determine coverage. By working privately, your sessions remain confidential, and we can move at a pace that best supports you.

Many clients are also able to use HSA or FSA funds for therapy services. I recommend checking with your plan administrator to confirm eligibility.

As an out of network provider, I collect my full fee at the time of each session rather than billing insurance directly.

I provide superbills for clients who would like to seek reimbursement from their insurance company. This is different from providers who are strictly private pay and don’t offer superbills at all.

You’re not required to use your insurance to work with me. Many clients choose not to submit for reimbursement, while others do. Being out-of-network simply gives you the option.

A superbill is a detailed receipt for therapy services. It includes information such as the dates of service, procedure codes, and diagnosis codes where applicable.

I provide superbills monthly for clients who want to submit them to their insurance company for possible reimbursement.

If you choose to submit a superbill, please be aware that your insurance company may request clinical information as part of their review process. I’m always happy to talk this through with you so you can make an informed decision.

Reimbursement can vary quite a bit. I have some clients who only are only responsible for a small portion of their fee (for example, around $10), and others who don’t have any out-of-network benefits at all. Most clients with out-of-network coverage typically receive about 50-80% of their fee back from their insurance company once their deductible is met.

I also have an instant insurance checker through Mentaya above that can give you an estimate right away. For the most accurate information, I recommend calling the number on the back of your insurance card and asking about “out-of-network outpatient psychotherapy via telehealth” using the following codes:

• 90791 - Assessment session(s)

• 90837 - Individual therapy follow-up sessions

• 90847 - Relationship therapy follow-up sessions

Unfortunately, I’m not able to work with clients who are currently insured through Medicaid, even on a self-pay basis. This is due to Medicaid billing regulations, which generally require that care be provided by a Medicaid-enrolled provider when a person is covered by Medicaid.

If you have Medicaid, I’m happy to point you towards providers in your network or other community resources.

I offer a limited number of reduced-rate spots that are prioritized for folks who are the most impacted by systemic oppression and financial hardship. These slots are intended to support people for whom the standard rate is a barrier to care.

If you’re curious about availability, you’re welcome to reach out. If I don’t currently have openings, I’m still happy to help point you toward other therapists who offer reduced-fee options.

If you are able to pay my full fee, please know that you are supporting others in our community that need a reduced rate for therapy. Thank you!

I ask for at least 24 hours notice for any cancellations and rescheduling so I can offer the time to another client who may need it. Late cancellations or missed sessions will be charged their full session fee.