Fees

My fees for psychotherapy and psychoanalysis* depend on your insurance coverage. Making care accessible is central to my practice  — I will work with your insurance plan and file claims directly on your behalf whenever possible.

Understanding Your Insurance

Insurance paperwork can be confusing. Here are some key terms you may come across:

Deductible — The amount you pay out of pocket before your insurance starts covering costs. Once met, your plan begins to share the cost with you.

Co-pay — A fixed amount you pay per session, regardless of the total fee.

Co-insurance — Instead of a fixed co-pay, you pay a percentage of the cost (e.g., 30%), with insurance covering the rest.

HSA / FSA — Health Savings Account and Flexible Spending Account. Both allow you to use pre-tax dollars to pay for therapy, which can meaningfully reduce your costs.

PPO — A plan that typically allows you to see out-of-network providers, including me, with some level of reimbursement.

HMO / EPO — Plans that generally only cover in-network providers. Unfortunately, due to how these plans are structured, I am unable to file claims for them — a frustrating limitation of the current insurance system, not a reflection of my commitment to accessible care.

CPT Codes — These are billing codes that identify the type of service provided. Different codes correspond to different session lengths and are reimbursed at different rates by your insurance. When calling your insurance, it’s worth asking about coverage for the specific code your provider uses.

Questions to Ask Your Insurance

When calling your insurance company, here are some useful questions to have ready:

• What are my out-of-network mental health benefits? (This will tell you about your deductible, co-pay or co-insurance, and how much of the fee your plan covers.)
• What is the allowable amount for CPT codes 90834 and 90837 for a licensed professional counselor in zip code 20009? (These correspond to different session lengths and are reimbursed at different rates.)

One important thing to know: it is not uncommon for insurance companies to process the first claim incorrectly. If that happens, don’t be discouraged — claims can and should be corrected, and I will help navigate that process with you.

*Because psychoanalysis is a type of psychotherapy, it is treated as psychotherapy for insurance billing purposes.