I offer courtesy billing and I will either submit your claims on your behalf, or provide you with the paperwork you need to file claims with your insurance provider. This eases the burden of filing claims and dealing with insurance companies.

To pay with a credit card, click here.

OUT-OF-NETWORK (OON) INSURANCE PROVIDERS

Although I am not an “in-network” provider, I offer out-of-network services that are within the customary range of what insurance companies reimburse. Working with an out-of-network provider allows us to work with more privacy and confidentiality.

To submit your insurance information for cross verification, click here.

PAYMENT METHODS AND CANCELLATION POLICY

I can accept ACH Bank transfer, American Express, Cash, Check, Discover, Health Savings Account, Mastercard, Visa, Venmo, PayPal, and Chase QuickPay. To pay with a credit card, click here. I ask that you notify me or your therapist of a cancellation at least 24-hours before the start of the session, by not doing so you may be responsible for a cancellation fee (typically a full session fee). 

GLOSSARY OF INSURANCE TERMS

• Deductible: This is the amount you have to pay for health care services before your insurance begins any reimbursement. So for example, let’s say your insurance covers 50% for each psychotherapy session, but only after you reach a $1,000 deductible. If each session is $200, you would have to pay for 5 sessions before you reach your deductible ($200 per session x 5 sessions = $1,000). In this case, after reaching your deductible your insurance would reimburse $100 (50% of $200) and you would be responsible for a $100 balance.

• Co-Payment: This is a fixed amount that you are responsible for paying when receiving health care services that are covered by insurance.

• Premium: The amount you pay the insurance company each month depending on your plan.

• In-Network Providers: These are health care providers that have a contract with your insurance company.

• Out-of-Network Providers: Health care providers who are not contracted with your insurance company.

• UCR (Usual, Customary, and Reasonable): This is the amount paid for services based on your geographic location. For example, in New York City, the UCR rate for out-of-pocket psychotherapy is typically between $200 and $300.

• Exclusive Provider Organization (EPO): A plan where services are only covered by doctors, specialists, or hospitals that are in the plan’s network, except in the event of an emergency.

• Health Maintenance Organization (HMO): A plan that typically limits the services covered by health care professionals who work for or are in contract with the HMO, usually not covering out-of-network services (except in an emergency). Although this type of plan is more restricted, premiums are often much lower and have either low or no deductible.

• Point of Service (POS): A plan where you pay less to see a health care provider in the plan’s network. This plan requires that you obtain a referral from your primary care physician (PCP) to see a specialist.

• Preferred Provider Organization (PPO): Like a POS plan, a PPO plan allows you to pay less to see a health care provider in the plan’s network. You may also see an out-of-network provider under this plan without needing a referral, but for an additional cost.

• Out-of-pocket Maximum: This is the most you will spend on covered services during the policy year, after which your insurance will pay for 100% of the services covered under the plan.

• Individual Deductible: If you have an individual insurance plan, this is the amount you must reach before your insurance company begins reimbursing you.

• Family Deductible: If you are under a family plan, the family must collectively reach a certain amount before getting reimbursed by the insurance company.