Using Your Benefits

If I am not in-network with your insurance, I can operate as an Out-of-Network provider. This means that while you pay for sessions upfront, your insurance may cover a significant portion of the cost.

How it works

  1. Investment: You pay for your session at the time of our meeting.

  2. Receipt: At the end of the month, I’ll send you a Superbill (this is just a fancy word for a detailed receipt).

  3. Return: You send that receipt to your insurance company, and they mail you a check for a portion of what you paid.

Easy Questions for Your Insurance

Calling insurance can be stressful, so here is a simple "cheat sheet" you can use. Just call the number on your card and say:

"I'd like to check my out-of-network mental health benefits. I've found a therapist I really want to work with."

Here are the specific details you can ask for:

  • "What is my out-of-network deductible?" (This is the amount you pay before they start sending you checks).

  • "What is my reimbursement rate for these specific codes?"

    • CPT Code 90834: Standard 45-minute individual session.

    • CPT Code 90837: Extended 60-minute session (common for EMDR and deep somatic work).

  • "How do I send you my receipts (Superbills)?" (Most let you just snap a photo and upload it to an app or portal).

Note: Insurance typically reimburses a percentage of their "Allowed Amount" rather than the full session fee. You are also entitled to a "Good Faith Estimate" of expected costs per the No Surprises Act.