Payment is expected at the time of service.
We accept most major credit cards and debit cards. Your card will be saved securely using a HIPAA-complaint service. You have the option to enroll in auto-pay (in which your card will be charged at the end of the business day.) 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
While I am in network for Cigna HMO and PPO members, I do not accept it for couples counseling. I am not in-network for Cigna EAP (employee assistance programs.) I am not in-network for any other insurance provider at this time.
I am happy to accept flexible spending accounts (FSA) and health spending account (HSA) cards as well as provide receipts for reimbursement.
If you have an HMO or an insurance such as Kaiser, TriCare or MediCal, they will NOT cover my 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 I 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, as a Licensed Clinical Social Worker, I may be able to be an “out of network” provider. I still request full payment at the time of service, but provide you with a monthly, 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, I recommend calling them, and asking:
- “Do I have Out of Network coverage for psychotherapy?”
- “How much of a $160 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?”
Keep in mind that submitting a super bill for reimbursement may grant the insurance company the right to access your records and limit the number of sessions you attend.
No Show/Late Cancellation Policy
If you need to cancel or reschedule an appointment, please let us know 48 hours before your appointment time. I have found that this is the amount of notice that is needed to refill the time slot I reserved for you. In case of a missed appointment or late cancellation, the full appointment fee will be charged. I 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 cancellation fee.
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 your rate is increased.