Starting therapy shouldn't mean untangling your insurance on your own. Here's how payment works in my practice — and how I make using your out-of-network benefits as simple and affordable as possible.
Do you accept insurance?
My practice is primarily private pay, which means I'm not in-network with commercial insurance plans. That doesn't mean your benefits go unused, though — many plans reimburse a meaningful portion of out-of-network therapy, and I work with a service called Thrizer that makes claiming that reimbursement simple and affordable. I also accept a limited number of Medicare clients; if you have Medicare, please reach out so we can talk through your options.
What does "out-of-network" mean for me?
If your plan includes out-of-network (OON) benefits — as many PPO plans do — your insurer reimburses part of the cost of seeing a therapist who isn't on their panel, usually once you've met an out-of-network deductible. The exact amount depends on your specific plan, and the easiest way to find out is to check your benefits, which Thrizer lets you do for free before we begin.
What is Thrizer?
Thrizer is a secure, HIPAA-compliant service that handles the out-of-network insurance process for you, so seeing an out-of-network therapist feels much closer to seeing an in-network one. It does two things: it submits your claims automatically — no superbills to mail, no calls to your insurer — and through its payment option, it lets you pay only your share of the fee at each session rather than paying in full and waiting weeks for a reimbursement check. Thrizer covers the rest and collects the reimbursement on your behalf.
Do I have to pay the full fee up front?
In most cases, no — and clients tend to appreciate this most. Once you've met your deductible, Thrizer's payment option lets you pay just your portion at the time of each session, much like an in-network copay, instead of fronting the entire fee and waiting on your insurer. It makes consistent, weekly therapy far more manageable.
How much will I actually pay?
That depends on your individual plan — your out-of-network benefits, your deductible, and how much of it you've met. Rather than guess, you can use Thrizer's free benefits checker to confirm whether you have out-of-network coverage and estimate your expected reimbursement before your first session, so there are no surprises. Many clients are pleasantly surprised by how much of the cost their benefits cover.
Will I have to deal with insurance paperwork?
No — that's the whole point. Thrizer removes the superbills, the claim submissions, and the waiting. You focus on the work we do together, and the insurance side is handled for you.
What is your session fee?
My fee is $225 per session. If cost is a concern, please don't hesitate to ask — I'm glad to talk through options with you.
What if I have Medicare?
Medicare follows different rules than commercial insurance, and the out-of-network and Thrizer options described here aren't available to Medicare members. If you have Medicare, please contact me directly, and we'll discuss how I can help.
Still have questions?
I'm always happy to walk through insurance and fees with you before we begin — there's no pressure, and no question is too small.
760-523-9000