USING INSURANCE FOR PSYCHOTHERAPY
The cost per session is $190 with sliding scale based on need. At this time, I accept all PPO insurance plans as an out-of-network provider. I can provide you with an invoice (also known as a “superbill”) at the end of every month, which you can submit to your insurance company for reimbursement.
I am happy to help you navigate this process by providing you with detailed instructions for checking your out-of-network benefits with your insurance provider. When possible, my office can also gladly check your out-of-network benefits for you.
These are the questions to ask your insurance panel to determine what they will reimburse:
What is my deductible?
What is the allowed amount for CPT code 90834 and 90837 (therapy)? (This can range from $80-$250)
What percent do you reimburse for an out of network provider? (This can range from 30%-70%)
An example: If you coverage allows for an “allowed amount” of $250 and reimburses 70%, you will get reimbursed $175 per session. If your insurance allows for an “allowed amount” of $80 and covers 50% of this amount, you will get reimbursed $40 per session.
Reduced Rates/ Sliding Scale
I believe that everyone should have access to quality mental health care. Therefore, my office offers therapy at a reduced rate for a limited number of clients who may not be able to afford my full fee.
I am able to offer student rates for undergraduate or graduate students seeking services outside of their university counseling centers. I am aware of the unique challenges facing students on college campuses and here to help you navigate your mental health needs to achieve success.
Good Faith Estimate
Under the law, (Section 2799B-6 of the Public Health Service Act), 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.
I will provide you with a “Good Faith Estimate” of expected charges per your request or at the time of scheduling. The GFE shows the costs that are reasonably expected for services provided by the Frankel Group. The estimate is based on information known at the time the estimate was created. It does not take into account any reimbursement that you may receive as a result of out of network benefits.
The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. You could be charged more if complications or special circumstances occur. You also may pay much less than the amount you are quoted if you decrease frequency of sessions.
If you are billed for more than this Good Faith Estimate, you have the right to dispute the bill. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises
Please call or email directly to inquire about fees, as they are subject to change and vary. I also offer sliding scale services for those with financial need, so I am able to accommodate most clients, with or without insurance coverage.