Insurance I accept

I'm in network with:

Traditional Medicare

Aetna

Anthem Blue Cross

UnitedHealthcare / Optum

If you're covered by one of these, I bill your plan directly. There's nothing for you to file, submit, or follow up on. You're responsible for your copay, coinsurance, or any remaining deductible, and I'll tell you what to expect before we begin.

Medicare Advantage plans, sometimes called Part C, vary. PPO plans usually allow you to see a provider outside the plan's network, so we may be able to work together; HMO plans generally don't. If you have a Medicare Advantage plan, call the member services number on the back of your card and ask whether your plan covers outpatient mental health with an out-of-network provider, and what your share of the cost would be. I'm happy to talk through what you find out.

Plans vary, even within the same company. Before your first session, I'll verify your specific coverage, so there are no surprises on either side.

If I'm not in network with your plan

Then we'd work together on a private-pay basis:

Individual psychotherapy (50 minutes) — $250

Couples therapy (80 minutes) — $350

Many plans include out-of-network benefits that reimburse a portion of each session, often a meaningful one. To make using them easier, I've partnered with Mentaya, an insurance billing service that handles the paperwork for you.

After each session, I enter the visit into Mentaya, and they submit the claim, including any follow-up or appeals with your insurer. You pay your session fee at the time of our appointment, and your reimbursement comes back to you directly, usually within a few weeks. Their fee is 5% per claim, and if a claim isn't submitted successfully, they refund it in full.

Using Mentaya is entirely optional, and I don't receive anything for recommending them. It's simply the easiest path I've found to help you get back what your plan allows.

If you'd like to know what your out-of-network benefits are before we start, Mentaya can run a quick eligibility check that estimates your coverage and likely reimbursement. You can also call the member services number on the back of your card and ask whether your plan covers outpatient mental health out of network, whether you have an out-of-network deductible, and how much of it you've met this year.

A note on benefits

Your benefits are ultimately an agreement between you and your insurance company — they hold the details of your particular plan and set your reimbursement — so staying in touch with them is the surest way to know where you stand. If a question ever comes up about a claim or a bill, just ask. This is part of your care, not separate from it.

Still have questions?

Ask me. The financial side of therapy shouldn't be something you have to figure out alone, and no question about it is too small.