My rates reflect my comprehensive education, ongoing training and education, years of experience, specialized expertise, licensure, certifications, and the costs of maintaining a private solo practice, all of which ensure that you receive the personalized care you deserve.

At this time, I do not take insurance. All clients are self-pay.

I am considering the possibility of working with select insurance companies in the future for specific situations. However, there are several drawbacks to contracting with insurance companies, some of which impact both me as a provider and you as a client. Below are a few key considerations:

• Reimbursement rates are significantly below the industry average. The amount of time and effort needed to engage with insurance companies is quite extensive and often times does not guarantee payment for services for a myriad of reasons.

• Insurance companies REQUIRE that you have a diagnosis for each and every visit and that diagnosis must be justified in addition to the rational for treatment.

• Not everyone who is seeking mental health care, will want or meet criteria for a mental health diagnosis which is established by the current authority knows as the Diagnostic and Statistical Manual (DSM-5-TR).

• Since insurance companies require a diagnosis, this can be a concern. In some cases, having a diagnosis on your permanent medical record may impact your future, particularly in relation to employment, life insurance, or legal matters.

• Insurance companies have the right to review your therapy records. I have no way of knowing who is accessing your records or their qualifications in relation to mental health. The individuals reviewing your records may make decisions about your care, including limiting the number of sessions or denying claims (even after a session has been completed) if they determine it doesn’t meet medical necessity or for other reasons.

• I believe that YOU and YOU ALONE should determine who has access to your records and your mental health care and that you deserve the autonomy to move through this process at a speed and pace that works for YOU…not your insurance company.

Since I do not have contracts with any insurance companies at this time, I would more than likely be considered “Out of Network.” This means your insurance company may reimburse a percentage of your expenses when you see an out-of-network provider. If your policy includes these benefits, I can provide a Superbill or detailed receipt with the necessary information for you to submit a claim to your insurer. Please note that a diagnosis is required for this process.

While most insurance plans do not cover evaluations, they may reimburse certain portions, such as the first and last appointments, however I cannot be certain of this.

Questions To Ask Your Insurance Provider

• How do I file out-of-network claims?

• What are my “out-of-network, outpatient, mental health benefits” when seeing a Licensed Marriage & Family Therapist?

• Do I need a referral from my primary care provider (PCP) to receive mental health services?

• Do I have a deductible (the amount you must pay out of pocket before insurance benefits apply), coinsurance (a percentage you must pay), or a copay (typically a fixed fee per service)?

• Have I met my deductible for the year? When does it reset?

• Does pre-authorization apply? (Meaning: Does the insurance company need to approve treatment before therapy can begin?)

You may elect to pay through credit card or other payment methods such as PayPal, Cash App, Zelle etc.

I do not have a sliding scale at this time.

Reduced rates are occasionally available depending on my current caseload, availability, client need and services requested. Rates may be adjusted based on your income and financial situation. I review every situation and application for reduced rates on a case-by-case basis and is not automatically guaranteed.

In addition to compensating me for my time and services, I believe that the commitment to achieving a goal is reflected in what individuals are willing to give up or exchange in pursuit of that goal. By investing in yourself, your relationships, and your future, you’re dedicating your time and resources to creating positive change. The value you place on what you invest in is a reflection of the growth and progress you’ll experience.