Fees &  Insurance 

Individual therapy services

We both have a standard fee for individual therapy services (currently online Telehealth) and will we discuss our fees during your phone consultation.  We reserve some reduced fee/ sliding scale openings based on income. 

Pay By: American Express, Cash, Check, Discover, Mastercard, Paypal, Visa

Accepted Insurance Plans: Cigna, Highmark BCBS, UPMC, United Healthcare 

How to Pay: Insurance or Out of Pocket?

There a several advantages to paying out of pocket. Paying for psychotherapy out of pocket minimizes the exposure of your protected health information (PHI) as we will not be required to disclose any of your information to an insurance company and all records remain with the therapist only. Using insurance also requires a psychiatric diagnosis in order for the provider to justify the medical necessity for the services provided. Once such diagnosis code is recorded by the insurance, it becomes part of your health care record.

Self-Pay does not require a psychiatric diagnoses or diagnostic code.

Self Pay and "Out-Of-Network" Health Insurance

Many people choose to pay out-of-pocket for therapy sessions. Some make this decision when a provider they wish to work with does not accept their insurance plan. Others choose to self-pay because they prefer to have more privacy.  If you choose to self-pay for your treatment, you may be able to receive reimbursement from your insurance provider if your insurance plan offers out-of-network benefits for outpatient mental health services. As a licensed psychologist, my professional services qualify for reimbursement under most insurance plans that offer out-of-network benefits. I offer courtesy billing for clients who choose to self-pay. I will either submit your claims directly to your insurance company on your behalf, or I will provide you with all of the paperwork you need to file claims with your insurance provider.

If you are interested in self-pay and would like to find out about reimbursement, I encourage you to confirm your out-of-network benefits with your insurance provider. If you would like to determine whether your insurance plan offers out-of-network benefits, and whether you can receive reimbursement from your insurance provider for my services, you may find it helpful to ask the following questions:

Do I have out-of-network outpatient mental health (or behavioral health) benefits?

What is my coverage for outpatient psychotherapy? (commonly used CPT codes include 90791, 90837 & 90834)

What is my deductible, and has it been met for the year?

If I still have a deductible for the year, how much will I owe per therapy session until I meet my deductible?

What is the percentage of reimbursement for an out-of-network mental health provider?

Is approval/pre-authorization required from my primary care physician for mental health services?

Is there a limit to the number of psychotherapy sessions that are covered per year?