INSURANCE

Individuals

Some of our providers are in-network with CareFirst/Blue Cross Blue Shield. Coverage varies by plan, so contact us and we’ll help confirm benefits and schedule.

If your provider is out-of-network, we can provide a superbill (detailed receipt) for you to submit for possible reimbursement. Out-of-network benefits differ widely, so check your plan for details.

Couples & Insurance Billing

Most insurance plans require one partner to be the “identified client” for billing. Sessions must focus on that person’s diagnosable mental health condition, and documentation must meet medical-necessity requirements. Because many plans don’t cover couples/family therapy (or only cover it in limited situations), many clients choose self-pay.

If insurance criteria aren’t met, sessions must be self-pay and typically aren’t eligible for reimbursement. We’ll be transparent about how sessions can be classified.

Questions to Ask Your Insurance Provider

Do you cover individual, couples or family therapy? If yes, under what conditions?
Do you cover out-of-network mental health? What is my copay/coinsurance and deductible status?
Is there a session limit or allowed amount per visit?
Do I need a referral or pre-authorization?
What’s the deadline to submit claims, and what’s the reimbursement process?

PAYMENT Policy

All payments for services are due at the time of your session. A credit card must be placed on file prior to your first appointment, and clients are automatically enrolled in auto-pay for convenience.

Self-pay clients: The card on file will be charged after each session for the full session fee.
Clients using insurance benefits: The card on file will be charged for any copays, co-insurance, deductibles, or cancellation fees. If your insurance company adjusts or denies payment after processing a claim, the card on file will be charged for any balance due.

Additional Fees

To respect both your time and ours, additional fees apply for services outside of regularly scheduled sessions:

Phone calls longer than 5 minutes: $3 per minute
Email contact taking longer than 5 minutes: $25 per email
Consultation with other professionals: Prorated at $250 per hour
Creating reports or providing documents to other organizations: $250 per hour plus $0.20 per copy
Court-related requests or subpoenas: $500 per hour
If legal counsel is required due to a subpoena or legal request: A flat fee of $5000 will apply

These fees reflect the time, preparation, and responsibility involved in providing professional services outside of direct therapy sessions.

CANCELLAtION & Attendance Policy

Appointments must be cancelled or rescheduled at least 24 hours in advance, or the full session fee will be charged. Your session time is reserved for you, and late cancellations or no-shows cannot be offered to another client.

I understand that life happens and sometimes things are unavoidable, but the fee reflects the value of the time I have held open. If you need to make a change, please contact me by text, phone or email as soon as possible.

Sessions end 53 minutes after the scheduled start time, regardless of arrival. Fees are not adjusted for late arrivals.

DISCLAIMER

No Surprises Act

You have the right to receive a "Good Faith Estimate" explaining how much your medical 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 items and services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This A Good Faith Estimate may include related costs like medical tests, prescription drugs, equipment, and hospital fees. Make sure your health care provider gives you a Good Faith Estimate in writing at least one business day before your medical service or item. 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. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit. www.cms.gov/nosurprises.

Contact me for more information about fees and financial policies.