My usual and customary fee for service is $90.00 per 50-minute session payable in cash or by check. I do reserve space in my private practice for those who currently want to work with me but cannot do so on a full fee basis. Please contact me so that we can discuss a sliding scale fee based on your current cash flow. I am always willing to meet initially by phone or in person free of charge to answer your questions.
You are responsible for obtaining payment from your insurance company although I am happy to assist in this process where I can. I do accept payment from the Victim’s Compensation Board, and I will file claims directly with them on your behalf once you have presented me with your VOC claim number. I am unable to guarantee whether your insurance or VOC will provide payment for the services provided. You are responsible for any and all fees not reimbursed by your insurance company, managed care organization, or any other third-party payer. You are also responsible for verifying and understanding the limits of your coverage, as well as your co-payments and deductibles.
A REMINDER ABOUT HOW INSURANCE WORKS AND THE MEDICAL MODEL
If you ask a third party to pay for all or part of your therapy, they will require a “medical model” psychiatric diagnosis for treatment. This diagnosis is for a “mental illness” and while most people’s challenges are not the result of mental illness, in the realm of health insurance you must be “ill” to receive a diagnosis and treatment.
- Choosing to avoid using health insurance benefits and covering the cost of therapy yourself means you do not have to have a psychiatric diagnosis and submit to a potential review of your treatment and treatment progress.
- A psychiatric diagnosis may have to be divulged to future insurance plans and may have an effect on your ability to qualify for non-group insurance plans.
QUESTIONS TO ASK YOUR INSURANCE COMPANY BEFORE WE MEET
Services may be covered in full or in part by your health insurance or healthcare spending account. Please check your coverage by asking the following questions of your insurer:
- Do I have mental health benefits?
- What is my deductible and has it been met?
- How many sessions per calendar year does my plan cover?
- How much does my plan cover for an out-of-network provider?
- What is the coverage amount per therapy session?
- Is approval required from my primary care physician?