Pricing
The fee for in-office and online therapy is $185 per 50-minute session.
Insurance
I am not paneled with any insurance companies, meaning that I do not accept insurance. However, if you have out-of-network coverage, I will probably be recognized as an out-of-network provider by your insurance company. I would recommend calling your insurance company ahead of time. Please use the guide below to ask them about your out of network coverage. I can provide a 'super bill' for you to give to your insurance company for partial reimbursement. Please note that insurance companies typically require a diagnosis for reimbursement.
Questions to ask your insurance company about your out-of-network coverage
What is my out-of-network deductible?
This will let you know how much money you need to spend out-of-network before your benefits will kick in. I have seen plans have deductibles as low as $500 and as high as $3,000.
How much of my out-of-network deductible has already been met?
Finding out how much you’ve already spent will let you know how much more you need to spend in order to meet your out-of-network deductible. For example, if your out-of-network deductible is $1,000 and you’ve already spent $850, you will only need to spend $150 more before your out-of-network benefits kick in.
What is my policy period?
A “calendar year” policy starts on January 1 and ends on December 31. A “policy year” policy is a 12 month policy that will have a different start and end date, for example, August 1-July 31. It is important to determine your policy period when factoring in how much more time you have to meet your deductible.
What is my coinsurance?
This is the percentage amount that your insurance company will reimburse you for each visit (after your out-of-network deductible is met). Let’s say your therapy visits are $150 per session and you have a 60% coinsurance. This means your insurance company will reimburse you for 60% of the session fee, which is $90. After reimbursement, you will only come out of pocket $60 per visit. If they ask for a CPT code, the one I use is 90834, 45-minute psychotherapy session.
How do I submit for reimbursement?
Typically, you will need to obtain a Superbill from your therapist and submit it to your insurance company. A Superbill is a document your therapist will provide to you that will include dates of service, a diagnosis code, a CPT code, and your therapist’s NPI and EIN numbers. Insurance companies have different ways to submit the Superbill, and most have an online submission option through their online portal.
How long do I have to submit my Suberbill?
There is a time period after the “date of service” to submit the Superbill to your insurance company for reimbursement. So far, I’ve seen this range from 90-180 days. Make sure you find out how much time you have to submit the Superbill after “the date of service” when calling your insurance company.
Information for this section has been excerpted from a Mindful Living Counseling Services blog post