There are several advantages to paying out of pocket. The main advantage is that treatment decisions are made by you and me and not an insurance employee. This means that we can decide when to finish treatment and how often we should meet. I can accept Health Savings Account debit card payments.
$175 per 55-minute session
$200 per initial evaluation
$200 per crisis session
Blue Cross Blue Shield of Rhode Island:
I am an in-network provider for BCBSRI. I will file claims for you. Your copay and deductible varies according to your plan.
I am a TRICARE "certified provider" (non-network). Some TRICARE plans cover non-network services, but not all. I will provide you with a "Superbill" that includes the necessary information for you to file claims yourself.
I am a Medicare provider.
Please note that I am not able to accept United Healthcare Medicare Advantage Plans.
Out-of-network provider for United, Cigna, Aetna, and other plans. I do not have a contract with these companies. Many people are able to get their insurance companies to reimburse them for therapy expenses provided by out-of-network providers once they meet a deductible, depending on their insurance plan. I can provide you with a "Superbill", which you will need to seek reimbursement. You will pay me for the full fee above at the time of your session, and then provide the Superbill to your insurance for reimbursement.
Please check your coverage carefully by calling an insurance representative and asking the following questions (document their answers):
- Do I have behavioral health insurance benefits?
- What is my out-of-network deductible and has it been met?
- How many sessions per year does my health insurance cover?
- What is the coverage amount per therapy session?
- Are out-of-network providers' services covered? What is the rate?
- Is approval required from my primary care physician?
Reduced fee services are available on a limited basis
Cash, check and all major credit cards, including Health Savings Account Debit cards, accepted for payment.
If you do not show up for your scheduled therapy appointment, and you have not notified us at least 24 hours in advance, you will be required to pay the full cost of the session.
Prior to your first appointment, I will ask to have a credit card "on file" in order to reserve your appointment time.
Questions? Please contact me for further information.
Insurance companies pay for healthcare services only, and therefore I have to diagnose you with a mental disorder and share my diagnosis with your insurance company during the billing process. Depending on your coverage, the insurance company may limit the number of sessions and require me to submit ongoing progress reports and treatment plans to justify the services I am providing.
Many individuals are uncomfortable with the idea of being diagnosed with a mental disorder, and they may avoid seeking treatment because it doesn't feel safe, private and confidential. Insurance companies are legally required to keep all of your information strictly confidential, but there are many more people involved in your therapy when insurance companies are involved. Clients often share with me their fear that if they "get better" their insurance will deny them beneficial psychotherapy services, which places a strange burden on the client to continue to be symptomatic. There is consistent research that shows that clients whose insurance restricts their access to psychotherapy reap fewer benefits of therapy.
I believe that my services offer tremendous value that persists long after our session ends. I am one of the few "doctoral-level" clinicians providing psychotherapy in our area. Psychologists invest many years into formal education, internship, and post-doctoral fellowships. Having a doctorate prepares psychologists to handle complex clinical issues with sophistication and expertise. Consider therapy as essential self-care, and understand that caring for your mental health is gift that lasts a lifetime.