Out-of-network, explained plainly.
I am an out-of-network provider. I do not bill insurance directly, but many clients are reimbursed for a meaningful share of each session, and I make that process as simple as I can.
The monthly superbill
Each month I send you an itemized receipt with the diagnosis, procedure codes, dates, and fees your insurer needs. You submit it, and reimbursement goes directly to you.
Good Faith Estimate
Under the No Surprises Act you are entitled to a written estimate of what care will cost before you begin. You will have one from me without having to ask.
Fees
Fees vary by service and are discussed openly on our first call, before you commit to anything. Payment is due at the time of session.
What to ask your insurer
Call the member number on your card and ask these five questions. Ten minutes on the phone will tell you almost exactly what therapy will cost you.
Common questions about payment
Do you take insurance?
No, I do not take insurance. I am an out-of-network provider, which means you pay me at the time of session and I give you a monthly superbill to submit to your insurer for reimbursement.
Why out-of-network?
Insurance panels set the length, frequency, and documentation of care, and require a diagnosis on file from the first session. Staying out of network means the treatment is decided between us.
Is couples therapy covered by insurance?
Often less well than individual therapy, because many plans only reimburse when there is a diagnosable condition being treated. Ask your insurer specifically about couples or family sessions, and I will make sure your superbill reflects the work accurately.
What if reimbursement is not realistic for me?
Say so on the consultation call. I would rather have that conversation at the start than have you begin something you cannot sustain.