Fees & Insurance
What methods of payment do you accept?
I accept cash, check, and credit/debit/HSA/FSA cards. Fees are paid at the beginning of every session. I use Zelle or IVY Pay to process card payments. Zelle and IVY Pay are HIPAA compliant application systems. IVY Pay is designed specifically for licensed therapists to hold card information confidentially.
All clients are required to have a card on file, which you can enter into IVY Pay prior to the first session. This will make billing easier for you, and the card information entered will also be used for late cancellation fees and no-show fees.
When the card entered is charged for the first time, IVY securely stores your card information for future use.
Do you accept insurance?
I accept all PPO insurance as an Out of Network Provider.
Since this is a private setting and not a managed care company, I do not accept reimbursement directly from insurance. This is mainly because I provide my clients with high-quality services without any external constraints.
However, I am able to provide a “superbill” (that will include your diagnosis) acceptable by insurance companies for a reimbursement. The percentage of the reimbursement depends on each individual plan however, it is usually between 40% and 80% of my fee.
Things to keep in mind when using your insurance:
You must have a diagnosis for your insurance to pay for your treatment.
Billing your insurance company for mental health services creates increased limitations in confidentiality. This means that your insurance company has access to your confidential records, such as your diagnosis, issues addressed in therapy sessions, and your therapeutic progress.
Private pay clients have greater assurance of confidentiality.
Insurance companies only approve a certain number of sessions; if that, and the number of sessions approved are usually not enough to completely delve into the issues that bring my clients to see me.
Since you are an out-of-network provider, how does that work if I still decide to use my insurance?
Before we meet, I suggest you contact your health insurance provider and ask them if you have out-of-network benefits for mental health services.
Most of the insurance providers pay between 40-80% of my fee. If that is the case, they would reimburse you directly.
At the end of every month, I will provide you with a “Superbill” that you will submit directly to your insurance for possible reimbursement.
Good Faith Estimate/ “No Surprises Act”
Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges.
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.
Under the law, healthcare providers need to give patients who do not 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 includes 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 1 business day before your medical service or item. You can also ask your healthcare 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