Insurance Co-Pays/Co-insurance

Most insurance is designed to cover the majority of the cost of therapy sessions. Typical co-pays can be anywhere from $0 to $100+. Some insurance providers use the language “cost-share” or “co-insurance”- this is usually a percentage of the full cost of services. The total cost due at the time of service can depend on your plan type, and deductible. Your insurance company can provide you with this information. The contact number to obtain this information is usually provided on the back of your insurance card.

I utilize a company called Alma to process the following insurance plans: Aetna, Anthem, Optum, Oscar, UHC and UMR. Find more information about how Alma works here .

Out Of Pocket Payment

If you do not see your insurance listed, you may choose out of pocket payment (OPP). Some insurance providers offer reimbursement for OPP services. Check with your insurance company to find out if you can have this benefit. If your insurance company provides this benefit I am happy to provide you with a super-bill for reimbursement.

Some clients will choose out of pocket payment (OPP) for their services. OPP allows you to maintain greater confidentiality and privacy, as I will not need to provide a formal mental health diagnosis for billing to an insurance company. When therapists bill insurance for counseling services, they are required to provide a diagnosis to insurance companies. This diagnosis becomes part of your health record. As an OPP client, no formal diagnosis is required to justify counseling, though we will work with any previous diagnosis, as appropriate.

The No Surprises Act

An OPP client is entitled to a cost estimate of services under the “No Surprises Act”. Under Section 2799B-6 of the Public Health Service Act and its implementing regulations, health care providers, health care facilities, and providers of air ambulance services are required to provide a good faith estimate of expected charges for items and services to individuals who are not enrolled in a group health plan or group or individual health insurance coverage, or a Federal health care program, or a Federal Employees Health Benefits (FEHB) program health benefits plan (uninsured individuals) or not seeking to file a claim with their group health plan, health insurance coverage, or FEHB health benefits plan (self-pay individuals) in writing (and may also provide it orally, if an uninsured (or self-pay) individual requests a good faith estimate in a method other than paper or electronically), upon request or at the time of scheduling health care items and services.