FAQ

Because we are out-of-network, you pay for sessions directly at the time of service.

However, many of our patients with PPO insurance plans successfully use their out-of-network benefits to get reimbursed for a portion of our fees.

The process typically works like this:

1.  You pay at the time of service. We charge our session fee directly to you.

2.  We provide a superbill. After your session, we supply you with a detailed receipt called a "superbill." This document contains all the information your insurance company needs, including diagnostic and procedure codes .

3. You submit for reimbursement. You send this superbill to your insurance company, and they reimburse you directly based on your plan's out-of-network benefits .

The "Allowable Amount"

It's important to know that insurers reimburse based on what they deem a "reasonable" or "allowable" cost for a service in your area. If our fee exceeds this amount, you are responsible for the difference.

Your Out-of-Network Deductible

Most plans have a separate, and often higher, deductible for out-of-network care. You will need to meet this deductible before your insurance starts reimbursing you .

Verifying Your Benefits

We strongly encourage you to contact your insurance provider directly to understand your specific out-of-network mental health coverage.

Key questions to ask include:

What is my out-of-network deductible, and how much of it has been met?

What is my out-of-network coinsurance rate (e.g., 50%, 80%)?

What is the "allowable amount" for CPT codes 90834 (45-minute therapy) and 90837 (53+ minute therapy)?

Do I need prior authorization to see an out-of-network therapist?

This is not an inclusive list.

While you pay upfront, the final cost depends on your insurance reimbursement.

Many patients find that after meeting their deductible, their out-of-pocket cost is comparable to in-network care, while receiving the benefits of our specialized and unrestricted services.

The process of submitting a "superbill" is generally straightforward.

Many insurers allow you to submit claims through their online portal.

There are also services and apps that can manage the claim submission process for a small fee if you prefer .

You are choosing to invest in a therapeutic relationship with the fewest external restrictions, prioritizing depth, flexibility, and privacy. 

It is a choice for a specific standard of care, where the treatment plan is built for you, not for an insurance company's bottom line.