Payment is expected at the time of service.
We accept most major credit cards, debit cards, prepaid and rewards cards, including Visa, Mastercard, AMEX, JB, UnionPay and Discover via Square, as well as Apple Pay. Checks and cash welcome. (Ask about a cash discount!)
We can also accept Health Savings Account (HSA) and Flexible Spending Account (FSA) cards and can provide a record of payment for flexible spending account reimbursement.
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In Network Insurance
At this time, Abby is “in network” for Cigna HMO and PPO. Simply contact us with your or your loved one’s name and date of birth and we will confirm their eligibility and tell you how much the copay will be.
If you have an HMO or an insurance such as Kaiser, TriCare or MediCal, they will NOT cover our services, and you would have to pay out of pocket. Some clients have insurance benefits, but still prefer to pay personally. Some of the benefits of paying privately include more privacy and more control over your treatment. If you are curious about why we decided not to be “in network” for most insurances, this therapist wrote a good article about it here.
Out of Network Insurance
If you have a PPO, Abby, as a Licensed Clinical Social Worker, is able to be an “out of network” provider. We still request full payment at the time of service, but provide you with a detailed record of payment (or “super bill”) that you can submit for reimbursement. How much different insurance providers cover varies widely. If you are interested in using Out of Network benefits for PPO plans from insurances such as Blue Cross/Blue Shield, Aetna, or others, I recommend calling them, and asking:
- “Do I have Out of Network coverage for therapy?”
- “How much of a $145 fee would you cover?”
- “Do I have to meet a deductible before you start covering for Out of Network?”
- “Is my issue an allowable diagnosis/reason for therapy?”
No Show/Late Cancelation Policy
If you need to cancel or reschedule an appointment, please let us know 48 hours before your appointment time. We have found that this is the amount of notice that is needed to refill the time slot we reserved for you. In case of a missed appointment or late cancelation, the full appointment fee will be charged. We will ask for a credit card in order to reserve your first appointment. Your card will not be charged until the time of your appointment. If you are using insurance, you will be responsible for the full appointment fee if you no show or late cancel, and not just your copay amount, as insurance will not cover a no show or late cancelation fee.
Abby has a limited number of spots open for clients needing a reduced fee. The sliding scale is based upon annual household income. Unfortunately, we are unable to provide low cost, free or pro bono services at this location. If you need additional referrals here in San Diego, contact us.
Fees are Subject to Change
Fees are subject to change at any time. For existing clients, notice will be provided at least 90 days before their rate is increased.