Investment

​Therapy is an investment in your mental health, well-being, and future.  I am completely insurance free to ensure the privacy of my clients, maintain complete flexibility in regards to our sessions, and to avoid limitations dictated by health insurance requirements. Being insurance free also prevents your medical records from being requested and used to determine things like life insurance and employment opportunities (learn more about the 8 Reasons to See an Out-Of-Network Therapist). Because we do not accept insurance, this means that you would pay us directly for therapy services and your card on file will be charged after each session.  

Insurance companies would consider us an “out of network provider” meaning we are not contracted with your insurance and reimbursement is not guaranteed unless specifically outlined within your policy.  Confirm your out-of-network coverage here. Please note, the only way to prevent the possibility of your medical records being requested is to pay directly for services without reimbursement. If you choose to seek insurance reimbursement, outlined below are payment options that we accept along with hassle-free options for seeking reimbursement from your PPO health insurance. 

 

The following forms of payment are accepted:

 

Credit Cards

• All major credit cards are accepted.

 

Health Savings / Flexible Spending Accounts

• You may select to use your Health Savings Account (HSA)  or Flexible Spending Account (FSA) card and receive a superbill to submit for reimbursement. Your HSA or FSA can be used to meet your required deductible for insurance reimbursement.

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Mental Health Grants

• The Loveland Foundation provides financial assistance to African-American women and girls seeking therapy services. Find out more about the Loveland Voucher Therapy Fund.

• Inclusive Therapist's BIPOC Therapy Fund provides funding to receive free, quality therapy for BIPOC adults. Find out more HERE.

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Insurance Out-Of-Network Reimbursement / Superbill

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• You can quickly confirm your out-of-network benefits here. Generally with a PPO medical plan, you have the flexibility to utilize health care providers outside of your network. You will need to contact the phone number on the back of your medical card to confirm out-of-network benefits (please see below for a list of questions to ask your insurance company). If you have an HMO medical plan they generally do not offer coverage for out-of-network healthcare providers. The only exception is for true medical emergencies. 

 

• Once you confirm your Out-of Network benefits, you have the option to seek partial reimbursement for your therapy sessions by submitting a superbill (therapy receipt). Please keep in mind that if you would prefer to find an in-network provider, we will assist you in that referral at any time. 

 

• To make your insurance reimbursement process easy, I work with a service that helps clients get money back on out-of-network therapy sessions. If you have out-of-network benefits, my service will file claims and handle the insurance paperwork to make sure you get reimbursed. You may quickly check your Out-of-Network costs here.

     

• Though it is possible to receive reimbursement from your PPO insurance provider this is NOT guaranteed for everyone. I recommend asking your provider the following questions to help determine your benefits:

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• Do I have out-of-network coverage for telehealth mental health services?

• Does my plan cover services from a Licensed Clinical Mental Health Counselor Associate who operates their own private practice?

• What is my yearly deductible? Has it been met or how much more until my deductible is met?

• How many sessions per year does my plan cover?

• Can I use my Health Savings Account (HSA) or Flexible Spending Account (FSA) to meet my deductible?

• Do I need written approval from my primary care physician in order for therapy to be covered?

• How do I submit my superbill? Is there an online portal? 

• What is the time limit to submit a superbill? 

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