Rates & Insurance

Non-insurance Rate
$120 for a 50-60 minute session, more for longer sessions, pro-rated (fee subject to change for new clients).

In Network Insurances Accepted
Aetna, Blue Shield, Magellan. Copays apply. (Example: insurance covers $50 out of the $70 contracted service fee, client responsible for $20 copay per session).

Out Of Network Insurance Coverage
All other insurances.

In a PPO plan, out of network services are usually covered, once the Out Of Network deductible has been met. Services are covered at the client’s contract rate, which might include “co-insurance” of 30%, or 40%, depending on the benefits.  (example: insurance pays for 70% of $150, client responsible for 30%, i.e., $45).

It is not a guarantee that insurance will cover mental health services, and some insurance companies use a “carve out,” which means they use another insurance company to administer mental health services. This might be unbeknownst to the client. I will do my best to understand what the benefits are, including the copay or co-insurance, but there are no guarantees. Some clients have been surprised to find out exceptions, such as that the first 3 sessions were not covered, or there was a limit of 3 sessions a year, or the deductible was so high that it could never be met using mental health services alone.

Please do not assume that all insurances will be accepted, or that the copay will be what is listed on the card. You are still responsible for service fees if it turns out the insurance didn’t cover them. However, for in-network insurance clients, I will only charge the insurance contract fee, not my non-insurance rate. Please inform me if your insurance changed, since there is no guarantee that the new insurance will be accepted.

Services COVERED by Insurance
In-office services, such as individual, family therapy, and parenting sessions.

NOT COVERED by insurance
School or home observations, therapist attending school meetings, phone calls, consultation with other professionals, any session time beyond 45-60 minutes, and canceled appointments. Fees for all these cases are at therapist’s discretion.

Why are only 3 insurances accepted as in network?
I’ve tried to become an in-network provider with some other insurance companies, but was told they are “full” and not accepting new providers. Potential clients have found that this was not the case, as they struggled to find a provider who: A. was accepting new patients, and B. was treating the population or issue they were looking for help with (e.g., children, a language other than English, EMDR). I would encourage in all these cases to call back the insurance company and report that a provider could not be found. Only when enough clients provide such feedback will the insurance companies change their policy of not accepting new providers.