Accepted Insurances:
- Blue Cross Blue Shield (all plans)
- Aetna PPO/POS plans
- Tufts PPO/POS plans
- Cigna PPO/POS plans
- United Healthcare/Optum PPO/POS plans
- Wellpoint PPO/POS plans
Insurance Coverage:
If you have any specific questions regarding coverage or if your insurance provider is not listed above, please feel free to email me. I will gladly assist you in navigating the process and finding the best solution for your needs.
Insurance can be complex. Your plan may cover psychotherapy services fully or partially. Once you share your insurance details, I can verify your eligibility with the insurance company for both in-network and out-of-network plans. I cannot guarantee coverage. In order for you to be able to plan for out-of-pocket expenses, please double check with your insurnce provider as well. Here are some questions to ask:
- What are my mental health benefits for out-patient care?
- Does my insurance cover telehealth?
- Do I have a deductible, coinsurance, or copay?
- Do I have out-of-network coverage?
When considering how much you will need to pay, there are a few things to keep in mind: deductible, copay and coinsurance.
- The deductible is the amount you must pay before your insurance starts covering the cost of any services.
- If you have a copay, then this is the amount you will need to pay each time you receive a service.
- If you have a coinsurance, then this is the amount you need to pay each time you recieve a service and it is usually a percentage of the total cost.
I recommend that you review your policy to understand how your deductible, coinsurance, and copay apply to telehealth services.
Example:
For example, if your deductible is $1,000, then you would have to pay $1,000 on your own before your insurance would start covering any services. Let’s say one session costs $200, then you would be responsible for paying the full $200 for each session until you’ve paid up to $1,000, essentially 5 sessions.
At that point, you would have “met your deductible” and your insurance would begin to cover some or all of the cost of each session, depending on your plan. If you have a co-pay, like $20 per visit, then you would only pay $20 for each session. If you have a coinsurance like 20%, then you would have to pay 20% of the $200 for each session, which would be $40.
I hope this helps illlustrate how insurance could cover costs, but again this is just an example so please check with your insurance provider about your plan.
Private Pay:
Psychotherapy involves the exchange of money between therapist and client. Within the context of a healthy therapeutic relationship, financial matters are addressed directly and honestly. I understand that the management of financial resources may be a stressful responsibility. All standard therapy rules about confidentiality apply to financial matters in the therapeutic relationship.
When your situation precludes you from using health insurance, we can agree upon a private pay fee agreement to assist. For those without insurance coverage, a variety of circumstances may preclude you from paying the fee for psychotherapy services. A private pay fee policy was developed to minimize the possibility that health insurance limitations would interfere with maintaining care. Specific requests for a payment plan would be evaluted and agreed upon based on the needs and options available at that time. I have a policy to maintain a regular percentage of my client caseload for private pay clients.