Insurance and paying for therapy can be complicated. I’ll explain it as clearly as possible.

I’m in-network with the following insurance plans for individual therapy only:

  • Blue Cross Blue Shield PPO

  • United PPO

  • Aetna PPO

  • Cigna PPO

  • Humana PPO

If you are not using insurance, or seeing me for couples work, here are my direct rates:

  • For Individuals:

    • $220 for the initial evaluation

    • $200 for each session afterward

  • For Couples:

    • I offer 3 different service rates for couples work depending on your needs. Please see The Relationship Studio page for more details.

  • NOTE: You might be able to get reimbursed through your insurance’s out-of-network benefits for individual therapy. Details below.

  • Therapy coverage is weirdly complicated, even for professionals who deal with it every day. Here’s what’s really happening behind the scenes:

    When you come to therapy, you’re receiving a healthcare service, just like when you see a doctor. Every service has a billing code — for example, a 60-minute session might be billed as 90837.

    Your therapist sends that claim to your insurance company, which then decides:

    • How much they’ll cover

    • What part you’re responsible for

    • Whether your deductible has been met yet

    If you haven’t met your deductible, you pay the full contracted rate until you do. After that, you might pay only a copay (a fixed amount, like $20) or coinsurance (a smaller percentage of the session cost).

  • If your therapist doesn’t take your insurance directly, you might still have out-of-network coverage, which can help you get reimbursed for part of what you pay.

    Here’s how it works step-by-step:

    1. You pay your therapist their full session fee at the time of service.

    2. Your therapist gives you a “superbill”— a detailed receipt with all the info your insurance needs: diagnosis code, CPT code, date, and provider info.

    3. You submit that superbill (usually online through your insurance portal).

    4. Your insurance reviews the claim and, if you have out-of-network coverage, sends you reimbursement for a percentage of the cost.

    💡 Example:

    Your therapist charges $200. Your plan reimburses 70% after your deductible. You’d get $140 back once that deductible is met.

    **Note: my Relationship Studio program is unfortunately not eligible for out of network reimbursement.

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