Initial Consultation - $0 per 15 minute (phone or in-person)
Individual Psychotherapy - $160 per 45 minute
Couples Therapy - $180 per 45 minute
Psychological Testing - $225 per 60 minute
Report writing - $225 per 60 minute
I am currently an out-of-network provider. Clients are expected to pay for each appointment up front either “out-of-pocket” or in the hopes of receiving partial “out-of-network” reimbursement. I will provide you with a detailed receipt (i.e., superbill) after you have made payment to me, which can be submitted to your insurance company for potential out-of-network reimbursement. Out-of-network benefits vary by insurance plan and provider, and reimbursement may be dependent on diagnosis. Please check with your insurance company to see what reimbursement they offer for out-of-network services. Typically, insurance companies will cover 40-80% of my fee, after the deductible is met.
Why I am not on insurance panels:
There are many reasons why I am not on insurance panels. As insurance companies are not mental health care professionals, I prefer that they are not involved in the treatment planning, record review, or evaluation of services. These are some factors I have considered and encourage you to consider as well:
Insurance companies require a diagnosis to be sent in for reimbursement, even for the first session. Your diagnosis and treatment become a part of your permanent medical record. If you are seeking couples therapy, one partner is required to be the designated “patient” and this partner is required to have a diagnosis that necessitates treatment for the couple.
It is common practice for insurance companies to ask for additional clinical information after the therapy has begun. This may include personal information, treatment plans, or session notes.
Insurance companies have the power to restrict treatment by limiting frequency of sessions or requiring a specific treatment method.
Insurance companies determine the provider’s reimbursement rate and rates are inconsistent between companies.
Communicating with insurance companies requires additional time and negotiation which can be costly for sole providers and oftentimes require a separate billing team.
The benefits of not billing insurance:
You are not required to have a diagnosis. If you are given a diagnosis, this remains confidential.
I will not be required to share any personal or treatment information with an insurance company, thus, you may enjoy a greater degree of privacy.
An insurance company will not dictate your treatment. Instead, I will use my professional training to recommend a treatment plan that we will collaborate on together. Additionally, we will not be restricted by frequency of sessions or length of treatment.
The fee will not be predetermined by another party, allowing us to discuss your experience of this investment freely. This also gives me the flexibility to reserve a portion of my caseload for reduced rates, especially for current clients who undergo financial hardship.
My time is not spent communicating with insurance companies or working extraneously to get reimbursed. Since you will pay weekly, you avoid accruing a bill that you cannot afford to pay. Additionally, our therapeutic relationship is protected from possible tension from exchanging services without compensation.
Should you use your insurance for therapy?
I believe this is an important question that is not usually given the weight it deserves. Mental health coverage is included in most insurance plans and can be used to pay for a portion of the therapy (there is typically a copay that the patient is still responsible for). However, the factors indicated above are important for each individual client to consider before seeking reimbursement. For some, the substantial benefit of reimbursement outweighs the loss of independence of insurance involvement. Some clients would prefer the independence from insurance but require the reimbursement in order to access the needed treatment. Some clients prefer to submit claims to help with their yearly deductible and then desist. For others, keeping the work as private as possible is the most important factor. Whatever your circumstance, it is a decision worth thinking through. Please feel free to bring this up if you would like to talk about it in more detail.
One more note: It is common for mental health claims to be initially denied. This can be discouraging; however, you do have the right to appeal this denial. Insurance companies may count on consumers to give up once a claim is denied, so it is to your benefit to appeal a claim that should or could be paid.
Will your health insurance cover testing?
Most health insurance policies do cover testing if they consider testing to be "medically indicated." "Medically necessary" means either that the problems you have that require testing are the results of a medical issue or there is a psychiatric diagnostic issue that cannot be resolved just by interviewing the person. Most insurance companies do not cover testing for educational purposes (as opposed to medical or psychiatric purposes), but occasionally, a policy does provide coverage. An educational purpose includes testing for learning disabilities. If there is a medical or psychiatric issue which the testing will address, the insurance company may provide full or partial coverage.
These are the steps you should follow to find out whether your insurance company will help pay for the testing:
Call your insurance company and ask whether you are covered for codes 96101 (“psychological testing”) or 96118 (“neuropsychological testing”). When you call, be sure to specify the reason for the testing (e.g., ADHD, learning disability) and be sure to ask explicitly whether testing is covered for that reason. It is likely that they may only cover a portion of the services requested.
If you are told that testing is covered, ask if you will need “precertification” or “preauthorization” (i.e., advance approval) and clarify if there is "out-of-network" coverage.
Request specific instructions on how to submit this claim, documenting each step of the way. Keep in mind that you may receive incorrect information over the telephone and the final determination is made only when the claim is submitted.
I reserve a portion of my caseload for clients on a sliding scale (such as students or current clients undergoing financial hardship). Please inquire regarding availability with an idea of what fee would be feasible for you.
I believe that therapy is an investment in yourself and oftentimes investments come at great cost- financial and emotional. Please share with me any concerns you may have about the fee as this may be an ongoing discussion throughout the work.
Cancellation and Lateness
Any appointment you make with me is a time I set aside for you. If you are unable to make your appointment, please cancel at least 48 hours in advance. If you cancel less than 48 hours from your appointment time or miss your session, you will be charged for the cancelled or missed session. Additionally, if you have not arrived within the first 15 minutes of our scheduled time, the session is cancelled and billed as a no-show. Please keep in mind that insurance companies do not reimburse for cancelled or missed sessions so you will be responsible for the cost of the cancelled or missed session. Also, please note that sessions that begin late will generally end at their scheduled times.
Messages and Accessibility
When you call my number, (206) 880-0246, you will reach my voicemail where you may leave a message. I check my messages regularly and will call you back as soon as possible. I encourage you to call back if you have not received a call from me within 24 hours. It is never my intent not to call back if you have requested me to do so, so if you haven't heard back from me it is most likely that I haven't received your message.
If you are in crisis, please seek help immediately by contacting the 24/7 Crisis Line 1-866-427-4747 or 9-1-1.
Payment is due at the beginning of each session unless other arrangements are made. Payment is accepted through the form of cash, check, or via Ivy Pay.
All information revealed by you during your professional time with me is confidential and will not be shared with anyone without your prior written permission. There are, however, certain circumstances under which I am required by law to release information without your prior consent. These are: imminent danger to yourself or other(s), child or vulnerable adult abuse, or duly issued subpoena.
Washington State law requires you to know all of the above-mentioned information. In addition, you have the right to refuse treatment and the responsibility for choosing the best provider of treatment. If you have any questions regarding the ethics of conduct for counselors in Washington State you can contact: State of Washington Department of Health, 1300 SE Quince St, PO Box 47869, Olympia, WA 98504 or call (360) 664-9098.