Paying for Therapy
Since the Affordable Care Act (ACA or Obamacare) came into effect, access to mental health care has grown. While things still aren't perfect, more people are able to access counseling services than ever before. Depending on your insurance plan you may be able to get your insurance company to cover most of the cost of therapy.
Questions about paying for therapy?
Do you have an HMO?
If you have a HMO, the good news is that your insurance most likely covers therapy and you’ll probably need to pay only a small co-pay for each session. Unfortunately, I'm not in-network with any HMO providers. You can find a list of in-network providers in your policy handbook or online. If you decide you'd like to meet with me anyway, I'm happy to see you as a private pay client.
Do you have a PPO?
Excellent! PPO's provide the greatest flexibility in choosing your providers; you can choose any therapist you'd like to see, which is great for you! At the end of each month, I'll provide you with a form to submit to your insurance company. Your insurance company will then send you a check, reimbursing you for a portion of your session fee. On average, clients with PPOs seem to get reimbursed for 65-75% of their sessions after their deductible is met.
Please check your coverage carefully to verify specifics of your particular insurance coverage and ask the following questions:
- Do I have mental health benefits?
- What is my deductible and has it been met?
- How many sessions per calendar year does my plan cover?
- How much does my plan cover for an out-of-network provider?
- What is the coverage amount per therapy session?
- Is approval required from my primary care physician?
Need more help with insurance?
If you’re looking for therapy in San Diego and aren’t sure whether your insurance company will cover it, feel free to give me a call at 619.780.3277. I'm happy to check your benefits for you and will point you in the right direction once we determine what type of insurance you have.
FREE 30 minute consultation-- In-person, virtually or by phone.
Individual sessions in my office $120
Individual sessions in your home $145 (+ additional travel fee)
Individual Walk + Talk Session $120
Credit cards, personal checks, HSA and cash are accepted.
I offer a reduced fee for a limited number of teens experiencing loss or struggles during pregnancy or postpartum, and those who do not have any health insurance. I ask that those who have other sources of support (i.e. spousal or parental support) use those resources first before requesting the reduced fee so I can continue to provide affordable care to those who need it most.
Do you have more questions?
Call me to schedule a free 30 minute in-person consultation!