Fees
As a solo practitioner, I do not have the administrative resources to participate in any insurance programs. Participation in insurance programs can also be limiting in terms of treatment, specifying the type and duration of treatment the client receives. It is my goal to work with you to determine the best course of treatment for your unique needs, and I believe this is a decision that should not be impacted by insurance regulations.I am licensed in Virginia as a Clinical Psychologist, and your insurance company may provide partial reimbursement for session fees according to guidelines they have established for out-of-network providers. Most health insurance policies provide some coverage for mental health treatment, and clients will be provided a comprehensive receipt for services, which may be submitted to insurance in order to receive the benefits to which you are entitled. Receipts will be provided via email to the client on a monthly basis through the electronic record keeping system, Intuit. Should you require a different format for receipts (i.e. weekly, hard copy), please let me know so that I can accommodate you.
Good Faith Estimate
You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health 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 expected charges for medical services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services.
You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a 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.
Determining Benefits
In order to determine what your benefits are:
- Call the customer service number on the back of your insurance card (for Mental Health).
- Tell them you will be seeing a licensed psychologist who is an out-of-network provider.
- Ask what the reimbursement rate is for a therapy visit with CPT code 90834 or 90837.
- Ask if you must meet an annual deductible before your benefits go into effect.
- Ask if there is an annual or lifetime limit on what you will pay.
- Ask if there is a maximum number of visits allowed per year.
- Ask when your contract year starts each year.
- Record the name of the person you spoke with and the date of your telephone call.
