Money
Money
Money
Money

Rates and Insurance

Money is typically a big question up front, so here is the scoop...

 

I am in--network with Highmark and Cigna.  What that means is: If you have Highmark Blue Cross/Blue Shield insurance (this includes out of state plans) or Cigna, then I can submit claims on your behalf, and you only worry about your copay and/or deductible.  You can always check with the number on your card to find out exactly what your out of pocket expenses will be, as each plan is different.

 

If you have a different insurance, I can see you as an *out of network provider, if you have an insurance plan that covers out of network (typically PPO type plans).  Depending on the plan, we can decide whether I submit claims for you, or if you submit those claims.  The good news is, there is typically good coverage on these plans.

 

If you would prefer, you can also pay out of pocket (self pay) to avoid dealing with insurance, or if you have a high deductible plan and don't want to bother with insurance for your own personal reasons. There are many reasons to not go through your insurance, a big one is for pure privacy, where it is never put on a public record anywhere.


Below are my rates, but keep in mind that insurance often covers part or all of my rates, (except for phone consultations in most plans) which are as follows:

  • Initial Meeting Session 50-80 minutes: $150

  • Individual, Couple, or Family Session 50-55 minutes: $125

  • Individual, Couple, or Family Session 30-45 minutes: $100

  • Phone Consultations-prorated at same session rate (self pay only)

  • Tele Health (video chat) therapy (Highmark and self pay): $100

For a more detailed list of fees please see my financial policies within the intake packet, as there can be other fees that are not covered by insurance in some circumstances.

*For insurances other than Highmark BCBS and Cigna- I am considered an Out of Network Provider. Generally if you have a PPO with another insurance provider, there is still some out of network coverage, so please check your out-of-network coverage carefully by asking the following questions:

  • Do I have mental health out-of-network insurance benefits?

  • What is my out-of-network deductible and has it been met?

  • How many out-of-network sessions per year does my health insurance cover?

  • What is the coverage amount per therapy session (i.e. allowable amount vs provider fees)?

  • Is approval required from my primary care physician?

Depending on your plan and claim submission process, we can discuss whether I provide you with an invoice with all needed information to submit yourself for reimbursement, or if I file the claim for you.

Forms

On our initial visit, there is a lot of information gathering both demographically/ administratively, as well as emotionally or situationally as to why you are seeking help. To allow more time for us to determine what will best help you, please review and complete all forms within the intake packet prior to our first meeting. If you prefer, I have them printed in the office for you and you can come early to complete in the waiting room.  PDF files are provided below for your convenience.

  • Intake Packet (includes client information form, policies and informed consent, financial policies, and privacy notices)
  • Release of Information in case you would like me to speak with any prior providers or agencies