I do not accept insurance; however, you may be eligible for reimbursement from your insurance provider. You can use the calculator above to learn what kind of coverage your insurance plan offers.

Out-of-network benefits refers to coverage your insurance plan offers for providers who aren’t in their network. If you have out-of-network benefits, your insurance is agreeing to reimburse you for a portion of your therapy session.

In order to get reimbursed for sessions, your insurance provider needs a copy of a “superbill,” which is a document that outlines the services rendered.

I offer complimentary claim submission, meaning I send all the documentation to your insurance on your behalf. All you have to do is wait for reimbursement, which typically comes in the form of a check or direct deposit.

Your deductible is the amount of money your insurance provider wants you to pay before any reimbursement kicks in. For example, if you have a $500 deductible, you’ll need to pay $500 worth of out-of-network services before your insurance starts reimbursing you. Some people have no deductible at all, whereas others have high deductible plans.

The “allowed amount” is the max session fee your insurance is willing to cover. For example, if your insurance provider offers 80% reimbursement and their allowed amount is $250, they will reimburse you the full 80% so long as your therapist’s fee is $250 or less. If you were to see a therapist who has a rate of $260 per session, you would get reimbursed 80% of $250 and be responsible for the additional $10.

Your insurance provider calculates the allowed amount based on things like location and licensure of the therapist. They only do this calculation once a claim is filed, so unfortunately we can’t know what the allowed amount is until we file a claim.

I always recommend people call their insurance company directly, even if they use the reimbursement calculator above, just to ensure you have all the information you need.

To verify your benefits directly with your insurance provider, contact the number on the back of your insurance card and ask the following questions:

• Does my plan have out-of-network benefits for outpatient mental health?

• Do I have an out-of-network deductible?

• What percentage of outpatient therapy sessions are covered per session?

• Is there a limit on the number of outpatient therapy sessions my plan will cover per year?

• Do I need a referral from an in-network provider to see someone who is out-of-network?

• Do you reimburse for telehealth appointments?