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| Health insurance can be very complex and difficult to understand if you are not experienced with it. If you would like a detailed explanation of how health insurance works for mental health issues, and a list of questions to ask your insurance company so that you can understand your benefits, click here. |
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| Insurance |
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| I accept some forms of insurance.
When I am contracted with a company, I will bill your insurance for their portion
of the bill. You will be responsible for paying your copayment at each session by
personal check, money order or cashier's check. |
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Blue Cross/Blue Shield PPO: : I am a preferred provider for Blue Cross/Blue Shield PPO. (Note that if you have Blue Cross Blue Shield HMO, I am considered out-of-network, and it is unlikely that they would pay any of your mental health fee.) If you have Blue Cross PPO, I will be happy to verify your benefits and determine what your costs for treatment will be.
You would only be responsible for the deductable or copayment; I will bill your insurance carrier for their share
of your psychotherapy bill. You may or may not have an annual limit on the number of
psychotherapy sessions. I will contact BCBS to find out this information for you and we will discuss it. |
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Medicare: I am a Medicare provider. Please be aware that
your copayment for sessions seen under Medicare is 50% of the fee. |
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Other PPOs: Other PPOs should cover the majority of the cost of psychotherapy. However, I would be considered an "out-of-network provider." You can call your PPO and check on the benefits. For more information on what to ask, click here [take to new Health Insurance Basics page]. When I am out-of-network, please pay for your sessions on a weekly basis. If it is convenient, feel free to pay by credit card. If you would like to give me your group number and ID number, as well as the claims address, I will send a receipt to your insurance company on a monthly basis, and tell them to reimburse you. |
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HMOs:I do not contract with any HMO plans, including Blue Cross Blue Shield HMO, so I would be considered an "out-of-network provider." If you have an HMO plan, it is not likely that you would be eligible for reimbursement for my services. Reimbursement
is only likely if you see someone that the plan has a contract with. These plans will generally
only pay benefits for in-network providers. If you have an HMO plan, you may wish to seek treatment
with someone within your program's network to minimize your costs. Or you can pay out-of-pocket.
Also see Flex Plans below. |
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| Other Payment Options |
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Reduced Fees: For lower income individuals,
I provide a limited number of lower fee appointments before 3pm. I also provide some
reduced fee services to health care trainees. Please call to see if I have openings at
the current time. Other reduced fee options for treatment are available on the
Mental Health Links page of this site. |
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Flex Plan or Medical Savings Plan: If your employer
has a tax-free medical savings plan, it is likely that this plan can reimburse you for any
psychotherapy bills that you pay out-of-pocket (up to the amount that you have put in the plan
for the fiscal year). Check with your employer for details. |
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Out-of-Pocket Payment: My out-of-pocket fee as of the time of this writing is $150 for an individual psychotherapy session. Please note that I provide a $10 discount per session for clients who pay by cash or check (with credit card authorization on file). |
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Credit cards: If you pay out-of-pocket you will get a $10 per session discount for paying with cash or check (with a credit card authorization on file). |
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