Insurance and Fees

I know you value your mental health and well-being, that’s why you’re here.

My cash pay prices are competitive in the current realm of mental health. I hope to make specialized care attainable. Scroll down to see what insurance I accept and current cash-pay- pricing.

Payments

I accept cash, check and all major credit cards as forms of payment.  You are required to have a credit card on file.  This card will be charged at the time of service, unless you request to use another form of payment.

Insurance:

Insured/covered DOES NOT mean paid in full. Copays and co-insurance can range anywhere from $0-$110+. Each individual plan is different, and is an agreement between your employer and your insurance company.

I am currently contracted to work with:

  • Ohio Healthy

Out of Network Price:

$150/ 60 minute session

$225/ 90 minute session

$280/ 120 minute session

Why I am moving away from accepting insurance

 
 

Lack of privacy and confidentiality

When insurance companies are included it means they can and do audit client records. In turn, they may decline authorization for sessions if you’re not progressing fast enough, or if they decide it doesn’t meet “medical necessity”. I believe you have the right to decide who can access your medical records.

Assumption of Diagnosis

Insurance companies operate on a medical model, which means they require a diagnosis in more to receive services and pay your providers. You will be assigned a diagnosis in order to access your insurance benefits. Some diagnoses insurance companies don’t consider debilitating enough or you would may seek treatment don’t qualify for a diagnosis (example: relationship stress).

Low Rates

So let’s talk money. Covered by insurance doesn’t mean paid for. Insurance companies continue to raise their members premiums, deductible and co-pays in the last few years. This is not however translating to higher reimbursement rates to therapists.

What are the benefits of privately paying for therapy?

 
 

No Labeling

You don’t have to carry an unnecessary diagnosis on your medical record.

Confidentiality

You and your therapist are the only people that will know you’re in therapy (unless you decide to disclose to others). You get to choose who knows this information; session notes are private.

Self-Determination

You get to work with a therapist that is able to use whatever approach to help you meet your goals. You and your therapist are the only ones involved in making the decision on your length of care.

Cancellation Policy

If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you will be charged the full fee of the session, $150.

MENTAL HEALTH CARE GOOD FAITH ESTIMATE

You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost.

Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical and mental health services. 

You have the right to receive a Good Faith Estimate for the total expected cost of non-emergency medical and mental health care services. This includes costs related to mental health counseling and therapy services (evaluation and psychotherapy). 

Your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical or mental health service. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service. 

That will be available to you prior to you being seen for services and prior to any billing and is available to you in the informed consent.  In most cases it is impossible to estimate how many sessions you will need, and that will not be determined until your concerns are evaluated and will also vary based on the progress that you make, which depends in part on your efforts with the process.  You will be free to discontinue services at any time or the services may otherwise be terminated in accordance with the informed consent form language.

If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. 

Although the No Surprises Law says that you may initiate a dispute process if the actual charges are substantially in excess of the Good Faith Estimated charges, i.e. if you are charged $400 more than the estimated cost for a session or for the total estimate provided, that is unlikely to happen and would be a violation of licensing board rules, since you will be agreeing up front to actual charges per session prior to being seen. 

The Informed Consent process that occurs during registration includes our Financial Policies and Service Fees, and you can reference fees when you read and sign the informed consent before treatment begins.

Visit www.cms.gov/nosurprises for more information about your right to a Good Faith Estimate.