Fees

Fees for psychotherapy and psychoanalysis at WPA depend on your insurance coverage. Making care accessible is central to the practice — claims are filed directly on your behalf whenever possible.

Understanding Your Insurance

Insurance paperwork can be very 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 WPA, with some level of reimbursement.

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

CPT Codes: These are billing codes that identify the type of service provided. Different codes are reimbursed at different rates by your insurance.

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

Reach out to WPA at anna@drannachung.com to get help.