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.

Rates
Initial Assessment  $145
Individual sessions in my office $120
Individual Walk + Talk Session $120
Individual sessions in your home $120 (+ additional travel fee)
Case Management, Consultation or Report Writing  $35 per 15 minutes

Credit cards, personal checks, FSA, HSA and cash are accepted. 


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. 

*I'm currently in-network with Cigna. If you are unsure of your insurance coverage, I would be happy to check your insurance benefits for you prior to your first appointment and send you an email explaining your coverage and fees. The easiest way for me to do so is if you send me a picture of the front and back of your insurance card along with your birthday.

If you have another insurance, 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.  

* At this time I am an in-network provider with Cigna PPO

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. 

No Show/Late Cancelation Policy
Please be mindful of the 48 hour cancelations policy. In case of a missed appointment or late cancelation, the full appointment fee will be charged.  Prior to your first appointment a credit card will be required to reserve your appointment; your card will not be charged until the time of your appointment. If you are using insurance, you will be responsible for the full appointment fee if you no show or cancel within 48 hours of your appointment, and not just your copay amount, as insurance will not cover fees for missed appointments.

Reduced Fee
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!