Insurance, Fees & Payment Options

Transparent information about how to work together — no surprises.

Every therapy and assessment relationship starts with clarity. Here's exactly what to expect financially, including what insurance I accept, what things cost when you pay directly, why some clients choose to pay cash even when they have insurance, and how to get partial reimbursement through a superbill when I'm out-of-network with your plan.

Insurance Plans I accept

I am in-network with different insurance panels depending on the service:

For individual therapy:

Optum
United Healthcare
Aetna
Anthem Blue Cross

No preauthorization required for therapy — we can begin sessions as soon as we've had our free consultation.

For psychological assessments:

Optum
United Healthcare
Aetna

Psychological assessments require prior authorization from the insurance company. This process typically adds 2–4 weeks to the start time. I'll walk you through it during your free 15-minute consultation.

For immigration psychological evaluations:

These are not covered by insurance. They are self-pay, but payment plans are available to make them accessible.

Why some clients choose to pay out of pocket — even when they have insurance

Insurance is not always the right fit for everyone. Some reasons clients choose to work with me on a out of pocket (cash-pay) basis:

Complete privacy. When you pay through insurance, your insurance company sees your diagnosis. Some professionals — physicians, therapists, attorneys, people with security clearances, or public-facing roles — prefer to keep therapy records entirely private.
No diagnosis in your medical record. Not everyone wants a formal mental health diagnosis on their permanent record. This matters for future insurance, some employment contexts, and some legal situations.
Flexibility in treatment length. Insurance companies sometimes limit the number of sessions or require a specific diagnosis to justify continued care. Cash pay means we get to decide together how long the work takes.
Faster start. No preauthorization wait times.
Coverage isn't what you thought it was. If your out-of-pocket cost via insurance ends up close to my cash rate (which is common with high deductibles), some clients prefer the simplicity of paying directly.

There's no wrong choice here. We can discuss what makes the most sense for your situation during your free consultation.

Self-Pay Rates

Whether you're using insurance or not, transparency about my rates matters:

Individual therapy session (50 min): $180
Extended EMDR session (90 min): Rate quoted during consultation
Adult ADHD assessment: Complete fee quoted during your free 15-minute consultation (varies by scope)
Adult autism assessment: Complete fee quoted during your free 15-minute consultation
Immigration psychological evaluation: Fee quoted during your consultation; payment plans available

Payment methods accepted: All major credit cards or HSA/FSA cards.

What's a superbill?

If your insurance isn't one I'm in-network with, you may still be able to get partial reimbursement by submitting a superbill.

A superbill is a detailed receipt I provide after your appointment. It includes:

The date and length of your session
The diagnosis code
The service code (what type of appointment it was)
My license number and NPI

You submit this to your insurance company under your out-of-network mental health benefits. Most plans reimburse a percentage of the fee back to you — typical range is 40–80% of what you paid, though it varies significantly by plan.

How to find out what your plan will cover — questions to ask your insurance:

Do I have out-of-network mental health benefits?
What is my deductible for out-of-network care, and how much have I met?
Once my deductible is met, what percentage does the plan reimburse per session?
Is there a maximum reimbursement rate per session?
Do I need preauthorization for out-of-network mental health care?
How do I submit a superbill? (Usually online through the insurance portal or by mail)

I'm happy to walk through these questions with you during your consultation. Insurance is confusing on purpose — you shouldn't have to figure it out alone.

Financial hardship

I understand that even at my current rate, therapy and assessments can be a stretch for some households. I keep a small number of reduced-fee slots for clients experiencing significant financial hardship. These slots are limited and in demand, but please reach out — if I can't accommodate you right now, I can often refer you to trusted colleagues who have availability.

Have questions about how to make this work?