In-Network Services

Currently, I am in-network with Blue Cross/Blue Shield (except Blue Local/Value, Magellan, and Lowe’s employees), Cigna/Evernorth, Aetna, United Healthcare/Optum/UMR, and Medcost (except CBHA and Atrium employees). If I am in-network for your insurance, I will file all claims for my services. You are expected to meet all deductibles and co-pays for services. Any fees due will be charged to the credit card on file after our session. Ultimately, the fees for service are your responsibility, so if your claim is denied or not covered, you will be responsible for paying all of these. I reserve the right to seek payment of unpaid balances by collection agency or legal recourse after reasonable notice to the client.

Out-of-Network Requests and Payment

If you would like to see me and use your out-of network benefits, you are expected to pay the full therapy fee ($130) upfront at the time of the session. I will provide a superbill each month showing your payments and you can then submit this form to your insurance company to request reimbursement. This form does require a diagnosis and treatment code.

Click here to read more about the No Surprises Act for Out-of-Network and self-pay clients.

Information to Consider When Deciding Whether or Not to Use Health Insurance for Counseling

Are you thinking of using your health insurance benefits for counseling? There are benefits and risks to using your health insurance and as a client, I want you to understand these risks so you can make an informed choice about your decision. This allows you to take charge of your health and medical record. 

Reasons You Might Choose To Use Your Health Insurance

• After your co-pays and deductibles, your insurance company may cover a portion of treatment.

• Expenses paid for therapy can be applied to your yearly deductible.

• You have the right to use your benefits as you have paid your insurance premiums.

Reason You Might Choose To Not Use Your Health Insurance:  These involve enhanced quality of care and other advantages:

• You want to be in control of your care, including choosing your therapist, length of treatment, etc.

• You want increased privacy and confidentiality (except for limits of confidentiality). 

• You do not want to have a mental health disorder diagnosis on your medical record. 

• You want to discuss non-psychiatric issues that are important to you that may not be billable under insurance alone, such as learning how to cope with life changes, gaining more effective communication techniques for your relationships, increasing personal insight, and developing healthy new skills. 

IMPORTANT: Some psychiatric diagnoses may not eligible for reimbursement (ie: marriage/couples therapy).  I will inform you if your diagnosis is not covered.

Pre-authorization and Reduced Confidentiality

Most insurance companies do not require pre-authorization for outpatient mental health services. It preauthorization is required, the insurnace comapny will usually approve a few sessions at a time.  When these sessions are complete, I may have to justify the need for continued service, potentially causing a delay in treatment.  If insurance is requesting information for continued services, confidentiality cannot be guaranteed.  Sometimes, additional sessions are not authorized, leading to an end of the therapeutic relationship even if therapeutic goals are not met.   

***Please note that insurance will not cover any fees for yoga sessions. You are responsible for these fees up front and they will not be applied to your deductible.