Fees and Insurance

 

Fees and Insurance

Fees

Your fee is payable at the time of your session unless you are insured by traditional Medicare.

 

Insurance:

The only insurance I take is traditional Medicare. If you have Medicare with a supplement, you pay nothing out of pocket. Without a supplement, you will be responsible for the copay that Medicare requires. I will submit all the claims. You will not require a doctor’s referral to access my services. If you have a Medicare HMO/Complete/Advantage plan, I am not on your insurance panel.

 

If you have other insurance that you would like to use, please call your insurance and inquire if you have “out of network”, out-patient, mental health services. Find out what the allowable is that they pay for Individual Psychotherapy (90834) or Group Psychotherapy (90847). Ask what your deductible is and how much of that you have satisfied this calendar year, so far.

 

Why don’t I contract with most insurance panels? You have a choice about who you hire to work with in Psychotherapy. My goal has always been to offer the best possible psychotherapeutic services that I can.

 

Participating on insurance panels means accepting the “managed care” of insurance companies who pay me a significantly reduced fee and dictate the length and the quality of the services I could provide to you. In my experience, insurance panels ask me to put their needs for fewer sessions ahead of what you and I determine might be right for you. Frequently, they ask me to terminate my work before a patient feels finished with our work together.

 

Since a third party is involved, it is impossible to guarantee that my work with you is confidential. Confidentiality is important to this work so that my patients feel that they have a safe place to confide your innermost feelings.

 

Psychotherapy is at least as important as other things patients pay for that are often not covered by insurance, like, massage therapy, acupuncture, naturopathic doctors, vitamins, etc. In fact, what is more important than one’s mental health?

 

Finally, it is impossible for me to run my practice on the reduced fees that insurance companies pay. I insist on providing you the best possible services. Towards that end,  I read professional literature, take continuing education classes, seek confidential peer supervision at my own expense, and spend time thinking about and planning for our work together. I can’t offer you the excellent service that is important to me and serve on insurance panels.