Rates

We do not bill insurance directly. However, if you have a PPO plan with out-of-network benefits, you may be eligible for partial reimbursement. We can provide a superbill- a specialized invoice that includes procedure codes, diagnostic codes, and session dates- on a monthly basis for you to submit to your insurance company. This is the format most insurance companies require to process out-of-network claims.

Reimbursement rates vary by plan and typically range from 20% to 60% of the session fee. We recommend contacting your insurance provider before starting therapy to confirm your coverage and reimbursement process.

Questions to Ask Your Insurance Company:

• Do I have out-of-network mental or behavioral health benefits?
• What are the requirements to use out-of-network benefits?
• Is prior authorization required?
• What percentage of the session fee will be reimbursed?
• Do I have an out-of-network deductible? If yes:
  • What is the amount?
  • How much of it has been met?
• When does my policy year start?
• What information is required on the superbill?
• How will reimbursement be issued to me?

An FSA (Flexible Spending Account) is a benefit offered by many employers that allows you to set aside pre-tax money to pay for eligible healthcare expenses. Using your FSA can make accessing psychological services more affordable. Here are some key points to help you navigate using your FSA:

1. What Expenses Are Eligible?

FSA funds can be used to cover a wide range of psychological and mental health services, including:

• Therapy sessions (individual, couples, or family therapy).
• Psychological assessments or evaluations.
• Copayments or coinsurance for mental health appointments.
• Medications prescribed for mental health conditions (if prescribed by a licensed provider).
• Services provided by licensed psychologists, counselors, or other mental health professionals.

Always check with your FSA provider for a full list of eligible expenses.

2. Documentation Needed

To use your FSA funds, you may need to submit documentation such as:

• Receipts: Keep receipts for therapy sessions or other expenses.
• Invoices: Ensure they include details like the provider’s name, date of service, and cost.
• Letter of Medical Necessity: For certain expenses, your FSA provider may require a letter from your psychologist stating that the service is medically necessary.

3. How to Pay for Services

• Direct Payment: We accept direct payment if your FSA card is a Visa, Mastercard, or American Express.
• Reimbursement: if you don't have a card, you can pay out of pocket and submit receipts for reimbursement through your FSA portal.

4. Deadlines

FSAs often have “use-it-or-lose-it” deadlines, meaning you must spend the funds by the end of your plan year or grace period. To avoid losing unused funds, schedule your appointments or purchase eligible items before the deadline.

5. Tips for Making the Most of Your FSA

• Plan ahead for therapy sessions or treatments you may need throughout the year.
• If you’re uncertain about eligibility, contact your FSA provider directly or check their website.

If you have questions about whether your services are eligible or need documentation, feel free to ask during your next session.