Finances
Before committing to therapy, it is important to consider the financial aspects. Doing your homework and understanding the costs involved can help you make an informed decision. Take the time to research different therapy options, their prices, and any potential insurance coverage. By being proactive about your finances, you can ensure that you are prepared for the financial commitment that therapy may require.
FAQs
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I take payment directly from clients for services provided. Payment is due at the time of service by cash, check, or credit card. I also accept FSA/HSA cards.
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If you fail to cancel a scheduled appointment, this time cannot be used for another client, and you will be billed fee for your missed appointment. If you cannot keep your appointment, kindly give 24 hours notice to avoid being charged.
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I do accept Blue Cross Blue Shield for the time being
If you’re out of network you can pay upfront and bill your insurance using a superbill.
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I do not work with insurance companies directly besides BCSC, but my services can be billed to most insurance carriers as an out-of-network provider. Many insurance companies that provide out-of-network benefits cover a percentage of the cost per session. I will provide you with an invoice to submit to your insurance company for reimbursement upon your request.
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Before making an appointment, you might like to have a sense of your “out-of-network benefits” so you can know what to expect in terms of your financial commitment. You can call your insurance provider; the number should be on the back of your insurance card, or you may be able to find the answers to these questions on your insurance company’s website.
Specifically, you should find out:
Do I have mental health benefits through my health insurance provider?
If I have mental health benefits, are out-of-network benefits included?
Is there a deductible I need to meet each year before I can begin to receive reimbursement for sessions?
Is any pre-approval (authorization) required before obtaining out-of-network mental health services in order to be reimbursed?
Is there a co-pay, if so how much is my co-pay per session?
Are my sessions limited per calendar year? If so, how many therapy sessions am I allowed to be reimbursed for?
What amount will I be reimbursed (reasonable and customary amounts) for the initial evaluation and subsequent sessions for a clinical social worker?
You will be required to pay a certain percentage out of pocket, on average, these range from 20% to 50%. Make sure to ask your insurance company!
