I offer free 15 minute consultations.
If you decide that you would like to continue working with me after our consultation, I will work with you to determine a reasonable fee for future sessions.
I currently do not accept insurance. I am happy to provide receipts that you can submit to your insurance provider if your plan reimburses you for “out of network” care. Please contact your insurer to confirm your benefits.
I am also able to accept HSA (health savings account) funds for individual therapy sessions. I am unable to accept HSA funds for couple’s counseling.
Payment is due in full the day of your session. I accept all major credit cards, online bank transfers, Paypal, and Venmo.
+ Why You Should Consider Private Pay Even if You Have Health Insurance
Paying privately or "out-of-pocket" for therapy allows you to have the utmost privacy and control over your own mental health treatment. Most insurance companies require you to meet a deductible before they will provide mental health coverage, thus forcing you to pay out pocket anyway. Many insurance companies will also refuse to cover couple's therapy sessions.
- No mental health diagnosis is required.
Insurance companies require a formal mental health diagnosis in order to cover treatment, this often puts the pressure on your therapist to assign an arbitrary diagnosis that may not be relevant to your actual needs. If your reasons for coming to therapy change (as they naturally do), insurance providers actually require the therapist to redirect you back to your original issues of concern or the therapist has to provide you with a different mental health diagnosis in order to justify your treatment. Private pay therapists are able to adapt to your on-going needs and concerns without slapping a label on you or forcing you to stick to your original treatment goals.
- You are not limited to a certain amount of sessions.
Most insurance companies only cover a limited amount of sessions. Once you have exceeded your session amount, the provider can demand a review of your records in order to determine whether they will allow for further sessions. If the provider determines that you are not benefitting from therapy, your session coverage can be discontinued. Some insurance providers will also require that you take medication before they will approve coverage for more therapy sessions. Private pay therapists have the freedom to collaborate with their clients to create a therapy schedule that will be the most helpful.
- Your records and personal information will not be reviewed by insurance companies or reported to the Medical Information Bureau.
Insurance providers require therapists to communicate your confidential information. At minimum, this means the provider will have your mental health diagnosis and dates of service. If the provider requires prior authorization or a review of your file, your therapist would be obligated to provide even more information, including your session notes! This information then becomes a part of your record and can be used by insurance companies to raise rates or prevent you from receiving disability insurance, life insurance (N1), or obtaining private health insurance if you become self-employed. Because insurance companies are members of the Medical Information Bureau (MIB), your medical and mental health records are reported to this agency. When you apply for health insurance, life insurance or disability insurance, your perspective insurance provider obtains a report of your records from the MIB. When you apply for health insurance, life insurance or disability insurance, your prospective insurance provider obtains a report of your records from the MIB. This information not only has the power to negatively impact your insurance coverage, but also your driving record, eligibility for armed forces, and ability to participate in high risk sports.
- The best clinicians are increasingly fleeing managed health care insurance networks for private pay practices.
Due to the treatment limitations listed above, many therapists are choosing to avoid the complications of insurance companies. Insurance companies will insinuate that the therapists on their provider list have been thoroughly vetted in order to provide you with the highest quality of care. However, providers are primarily chosen for location and for reasons that economically benefit the insurance company without considering the expertise and quality of the therapist. Every individual client is unique and is not best served by this "one size fits all" approach. The effectiveness of therapy is dependent on the quality of the relationship between the therapist and the client. You deserve to been seen by a provider who can cater to your specific needs.