Insurance and Fees

Clients pay directly for services. I do not bill insurance in any capacity. However, if you have a PPO plan, you may be able to submit a superbill, or an itemized receipt of services rendered, for partial reimbursement directly to your insurer.

 

Here is a simplified example using $1,000 as a clean illustration — this is not an actual fee. Your insurer calculates its own "allowable" amount, which may be the same as or lower than what you paid. Then, they reimburse you a percentage of that figure — commonly 60-80% — after your out-of-network deductible has been met.

 

Depending on your plan, your insurer's allowable amount, and how much you have already contributed to your out-of-network deductible for the current plan year, per $1,000 spent you might see $200-$800 back.

 

Submitting a superbill is entirely optional — and there may be other ways to reduce your cost. If you have an HSA or FSA, you can pay directly from those accounts — effectively reducing your out-of-pocket cost by 20-30% depending on your tax bracket. Some clients prefer this approach because submitting a superbill means your insurer will see any diagnostic codes associated with your assessment — and may request a copy of the report as part of the reimbursement process. This information could become part of your permanent medical record.

 

Every plan is different. I encourage you to call the member services number on the back of your insurance card and ask specifically about your out-of-network behavioral health benefits before your first appointment. A sample superbill with applicable procedure codes can be provided upon request to guide that conversation.

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Fees are discussed during a free consultation — book yours here.