Fees &
Payment
Payment
My rate is $175 per 55-60 minute individual therapy sessions.
Payment is due at time of service.
You can choose 55-60 minute weekly appointments or do intensive work by doing longer sessions over a shorter period of time. Some people I work with choose this option since there's more time to work on powerful techniques to see change as soon as possible. Intensive sessions are typically 90 minutes to 2 hours and are priced at $250 and $300, respectively.
I offer a free 15-20-minute intro video call to see if we are a good fit.
Cancelation policy
I charge half of the session fee (or $87.50, whichever is greater) for appointments canceled with less than 24-hours notice.
"I would love to work with you, but I can't afford to pay that much!"
I get it. I've been in that position myself. Therapy isn't cheap and everyone's financial situation is different. If my rate is prohibitive to you, I do offer several sliding scale spots as well as the option to purchase a 5 or 10 pack of therapy sessions at a discounted rate. Please ask about these reduced fee options when you inquire about my services.
Some Smart Payment Tips to Consider:
Check your insurance plan's out of network benefits (read more below). You may be able to submit your session bill and receive partial reimbursement from your insurance carrier, depending on your plan.
If you have a flexible spending account or a health savings account (HSA) offered through your employer, you may use these to minimize the cost of psychotherapy. These options allow you to spend pre-tax income on medical expenses such as psychotherapy. Usually you can use this money immediately upon signing up for the account, before it is fully funded. Check with your employer to determine if either of these are options for you and the specifics of these plans.
If you itemize your taxes, psychological services may be tax deductible as a medical expense
Out of Network Insurance Benefits
I am not in-network for any insurance plans through my private practice.
Some insurance companies provide some reimbursement to members who submit their own claims for out of network (OON) providers. You can verify your Out Of Network benefits on a few third-party platforms:
Reimbursify supports you with submitting your claims for a small fee (about $4). You can check your benefits below for free.
Mentaya helps you file claims and handle the insurance paperwork to help you get reimbursed. They charge a 5% fee per claim (>$10). You can sign up using this link.
Note: The goal of these options are to save you time and money. It's completely optional, and as your therapist I do not benefit in any way from your participation.
Typical codes for sessions are: 90791 (initial assessment and evaluation appointment; 90837 (53+min of psychotherapy); 90834 (39-52 min of psychotherapy)
Do I have to have a diagnosis to use my health insurance benefits?
Short answer: Yes. Most health insurance plans do require a diagnosis for reimbursement of out-of-network (OON) psychotherapy. This is because, from an insurance perspective, treatment needs to be “medically necessary” to qualify for reimbursement. A diagnosis serves as the evidence for medical necessity, whether the provider is in-network or out-of-network.
The specific requirements vary between insurance companies and plans, but here’s how it typically works:
Diagnosis Requirement: Most insurers require a mental health diagnosis that aligns with the DSM (Diagnostic and Statistical Manual of Mental Disorders) codes. This can include diagnoses like anxiety disorders, depression, PTSD, adjustment disorders, or other recognized mental health conditions.
Billing Codes: Therapists include a DSM diagnostic code along with a procedural code (e.g., CPT codes for therapy sessions) when they provide you with a superbill for OON reimbursement. This documentation helps insurers process the claim by indicating both the treatment type and the medical need for it.
Exceptions: Some employer-sponsored plans or insurance plans that offer more flexible mental health benefits might not strictly require a diagnosis for psychotherapy reimbursement, especially if they cover wellness or preventative mental health services. However, these cases are less common, especially for OON claims.
What if I don't have - or want - a diagnosis?
Many people find mental health therapy beneficial and useful even if they don't suffer from a diagnosable condition (think: going to a massage therapist for improving muscular recovery from exercise or for a relaxing massage even though you don't have a specific medical need for it, like recovery from an injury). For these situations, psychotherapists can still provide psychotherapy, but the person seeking services will be responsible for paying for these services and will not be able to utilize their insurance benefits (with few exceptions, noted above)
If you're hoping to use your insurance benefits for therapy you can expect to spend the first one to two sessions with me on diagnostic evaluation to determine what if any conditions are present. If no clinical conditions are present then we will still discuss what kind of therapeutic help you might want and if I can still help you.
If you'd like to look elsewhere...
I'm not the best fit for everyone. I want you to get the support you're looking for - even if it's not from me. If you find that what I have to offer isn't for you, here are some other places where folks have had success finding a therapist:
Headway (for finding a provider actively in network with your insurance)
Mental Health Match (receive top 5 matches for therapists)
Open Path Collective (for sliding scale/lower fee therapy)
Psychology Today (the most frequently used directory by therapists)
Connections (for those in Larimer county, CO)
LIV Health (for those in CO or WY who have Medicare/Medicaid)
Good Faith Estimate Notice
You have the right to receive a “Good Faith Estimate” explaining how much your medical 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 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.