Because I am a licensed clinical psychologist, most psychotherapy services I provide are covered under major medical health plans. However, you may wish to contact your insurance provider and ask some very specific questions to determine your exact coverage, such as:
- Do I have mental health benefits?
- What is my annual deductible and has it been met?
- Is my mental health services deductible separate from the deductible covering physical health?
- How many psychotherapy sessions per calendar year does my plan cover?
- How much does my plan cover for an out-of-network provider?
- If coverage is expressed as a percentage, is that percentage based on the actual fee?
- If my coverage is a percentage based on "reasonable and customary fees," what is the maximum fee for a 45-minute individual psychotherapy session -- CPT or service code 90834? This varies considerably among insurance companies (sometimes based on market research and sometimes arbitrarily low) and may cap the actual sum that you will be reimbursed.
Fees are due at the time of service. Ongoing patients keep a credit card on file but you can always pay by personal check if that is your preference.
Flexible Spending Accounts
If your company offers a medical flexible spending account (FSA), I strongly recommend that you consider using it to minimize your actual out-of-pocket cost. This kind of account allows you to use pre-tax dollars for medical deductibles and unreimbursed expenses. One benefit of using a flexible spending account is that you can file for reimbursement immediately or have your FSA debit card charged as a convenience, even before the plan is fully funded. Click on the link to this online article for more details. Talk to your human resources manager for full information on your company's particular plan.
If you do not show up for your scheduled appointment, and you have not provided notification at least 48 hours in advance, you will be expected to pay the full cost of the appointment as booked as that time was reserved for you and was not available to other clients.
Please contact me at (202) 281-0836 or firstname.lastname@example.org to schedule a complimentary 20-minute consultation. I am happy to provide more detailed information regarding health benefits, and look forward to discussing your situation in more detail. This consultation implies no obligation for either of us, but provides a chance to discuss your current concerns, get a sense of whether we would enjoy working together and understand what next steps would be most helpful for you. I know that this is probably a stressful time for you and will do whatever I can to eliminate your financial concerns so that we can focus on what brought you to therapy.
You can also schedule an appointment online here. Weekday, evening and weekend hours are available.