Insurance and Fees
Insurance
I am currently in network with the following insurances:
Aetna
Insurance can be confusing, and coverage varies by plan. I can help to look up your benefits and give you an estimate, though I can’t guarantee coverage details. Co-pays are due at the start of each session, and some plans may require you to meet a deductible before counseling is covered. Ultimately, you’re responsible for understanding your plan and any costs.
Out of Network
If I’m not in-network with your insurance, you may still be able to use your out-of-network benefits. Many plans offer partial reimbursement for sessions with licensed clinicians outside their network. In this case, you would pay for your session directly, and I’ll provide a superbill (a detailed receipt) for you to submit to your insurance. Because each company has its own process and policies, I encourage you to contact your insurance provider to confirm your out-of-network mental health benefits before starting services.
If you are interested in learning more about out of network coverage, let’s connect!
Fees
I charge a private pay rate of $180 per 55-minute session.
Sliding scale may be available upon request. Please inquire if you are interested!
Understanding the No Surprises Act and Your Therapeutic Care
The No Surprises Act is a federal law that protects clients from unexpected medical bills, including in mental health care. Here’s what this means for you as a client in my practice:
When you have insurance
If you are using your insurance benefits, you cannot be balance billed or receive “surprise bills” for covered services provided by in-network clinicians.
Balance billing happens when an out-of-network provider bills you for the difference between what your plan pays and the provider’s full fee. This is not permitted for emergency services or for most services provided by in-network facilities.
You are only responsible for your plan’s standard cost-sharing amounts (such as copayments, coinsurance, and deductibles).
When you do not use insurance (self-pay)
If you do not have insurance, or if you choose not to use your insurance, you are entitled to a Good Faith Estimate (GFE) of the cost of your care.
A GFE is a written notice that outlines the expected charges for therapy services before you begin. You may also request one at any time.
If you receive a bill that is $400 or more above your Good Faith Estimate, you have the right to dispute the bill through the federal dispute resolution process.
Your protections under the law
You are never required to waive your protections against surprise or balance billing.
You can always choose an in-network provider if available under your plan.
Emergency services must be covered without prior authorization and at in-network cost-sharing amounts, even if provided by an out-of-network provider.
Resources
For more information about your rights under the No Surprises Act, visit www.cms.gov/nosurprises or call 1-800-985-3059.
If you are in Oregon, you may also visit the Division of Financial Regulation’s Surprise Billing Information page or call 1-888-877-4894.