Paying out of pocket for therapy means that your insurance company will not need to be involved. You will not need a mental health diagnosis (which you will need to bill through insurance). The number of sessions you are able to qualify for is not dictated by insurance, which limits the frequency of visits. Paying out of pocket gives you the most privacy, flexibility and choice in your treatment. With this option there is not a need to wait for authorization from your insurance company. We will work together to make a plan for your treatment that makes sense for you.
Out of Network: There is a possibility that I am an out of network provider on your policy. In order to know this you will need to contact your insurance company and explain to them that you would like to see someone that is not on their provider panel/list. If I am an out of network provider I will provide you with a receipt for services and you can submit this to your insurance company for partial reimbursement. You will still be responsible for the full fee at the time of service.
When going through insurance you typically you have a deductible to meet (which varies by plan) and then you will be reimbursed for 80% of your investment. All that is required to receive reimbursement is a bill from me with the necessary details which you will receive at the end of each session. This method seems to work well for a majority of clients and is often less expensive for clients in the long run rather than trying to deal with insurance companies. This method also allows me to provide a high standard of care for a maximum number of clients.
Start by contacting your insurance company and asking the following questions:
1.) Do you have out of network coverage for mental health benefits?
2.) What is your deductible amount?
3.) What is your reimbursement rate?
4.) How many sessions per calendar year does your plan cover?
5.) Is there a limit on how much your provider will pay per session?
6.) Is approval from your primary care physician required?
Payment is due at the time of each visit. Your payment may be; credit card, cash or personal check. There is a $30.00 fee for each returned check to cover accounting and banking fees.
If fees remain unpaid I hold the right to suspend services until the remaining balance has been paid.
A sliding scale, fee for service is available and will be discussed on an individual basis.
My Cancellation/Rescheduling Policy:
I understand that things come up without warning. If you need to cancel or reschedule your appointment please call me at 585-310-8238 as soon as possible. You will be required to pay the full fee for your session if you miss our appointment or I do not receive a call or voicemail at least 24 business hours before we are scheduled to meet.