Fees

Yes we are in network with BCBS PPO and United PPO, as of now, but will be moving towards a cash-pay model in Spring of 2025.

Our fees vary depending on the service and the length of time.  We offer a variety of options and fee ranges within each service: 

• We offer 30 minute, 60-minute, and 90-minute individual therapy sessions that range from $125 - $225 a session

• EMDR Intensives range from $1200- $5000 per ‘package’

• Consultation and Supervision sessions range from $75 / hour for group to $175 per hour for individual Sessions

• Group Art Therapy $275- $350 per 6-week cohort

• Alternative Healing Sessions $75 and up for Reiki and Traditional Healing Ceremonies

• Workshops and Retreats determined based on the location and timespan

We accept all major credit cards as well as Health Savings Account Cards.

The No Surprises Act protects you from unexpected healthcare charges, and therapists are obligated to provide you with a Good-Faith Estimate at the start of treatment. We will provide this estimate based on the rates we establish and the frequency of our sessions at the start of our collaboration.

Out-of-network benefits refer to the coverage provided by your health insurance plan for services rendered by healthcare providers who are not part of your insurance company's network. Many insurance plans allow you to see out-of-network providers, but the reimbursement rates and coverage can vary.

Some insurance plans offer partial reimbursement for out-of-network services. This means you pay the provider upfront, submit a claim to your insurance company, and then receive reimbursement for a portion of the cost, based on your plan’s policies.

This will let you know how much money you need to spend on out-of-network services before your benefits kick in. Your plan’s deductible may range anywhere from $500 to $5,000 or higher depending on your plan.

You may have already paid for services that have gone towards your deductible.  Once you know how much you’ve already spent, you can determine how much more you need to spend to meet your Out-of-network deductible. 

For example, if your out-of-network deductible is $1000 and you’ve already spent $800, you will need to spend $200 more before your out-of-network benefits kick in.

Once your deductible has been met, coinsurance is the percentage amount that you will pay / your insurance company will reimburse you for each session.  

For example, let’s say you have a 40% coinsurance and therapy costs $150 per session.  This means you pay 40% and insurance will reimburse you for 60% of the session fee (which is $90).

After reimbursement, your 40%, out of pocket fee would amount to $60 per therapy visit.

1. Verify Coverage: Contact your insurance company to confirm whether your plan includes out-of-network benefits and to understand the terms, such as deductibles, coverage limits, and reimbursement percentages.

2. Submit Claims: After receiving care from an out-of-network provider, you’ll need to submit the claim forms and receipts to your insurance company for reimbursement.

3. Understand Reimbursement Rates: Ask your insurance provider about the reimbursement rate for specific services. This is usually a percentage (e.g., 50-70%) of the "allowed amount" as determined by the insurance company.

Ask your therapist to provide you with a “SUPERBILL”, which is kind of like a “therapy receipt.”  It includes the dates of service, a diagnosis code, a CPT (Current Procedural Terminology) code, and the therapist’s NPI (National Provider Identifier) and EIN (Employer Identification) numbers.

Insurance companies have different ways to submit a Superbill, like snail mail or fax.  Send the Superbill to your insurance provider via their requested method.

Some plans only offer reimbursement for a certain dollar amount per session.  Your insurance will reimburse based on the lower amount between your allowed rate and the rate your therapist charges.

Example #1:

The therapist’s fee is $165, the allowed rate is $150, and your coinsurance is 40% 

Your reimbursement = $90, and your out of pocket is $75 ($60 + remaining $15 of the fee).

Example #2:

The therapist’s fee is $120, the allowed rate is $150, and your coinsurance is 40%

Your reimbursement = $72, and your out of pocket cost is $48.

Access to Specialists: If a particular therapist, counselor, or specialist is not in your network, out-of-network benefits allow you to still receive care from them while getting some level of reimbursement. For example:  EMDR intensives are not covered by insurance companies due to the length of treatment.

• More Provider Choices: You’re not limited to only the therapists or professionals in your insurance network, giving you greater flexibility in choosing a provider who best fits your needs.

Understanding your out-of-network benefits can help you make informed decisions about your care and how to maximize your insurance coverage for services outside of your network.

Knowing your “policy period” will be helpful to know how much time you have left to meet your deductible.  A “calendar year” policy starts on January 1st and ends on December 31st.  A “policy year” is a 12 month period that will have different beginning and end dates like July 1st through June 30th.  You may have around 90-180 days after the “date of service” aka the “session date” to submit for reimbursement.