Private Pay Therapy & Out-of-Network Benefits
Welcome. I'm so glad you're here. Choosing to begin or continue therapy is a deeply personal decision — one that deserves care, privacy, and flexibility. Many clients find that paying privately for therapy (also known as “private pay”) allows for a more personalized and confidential experience. Below, I’ve outlined the benefits of private pay therapy, as well as how you may still use your insurance through out-of-network benefits, and how I can help you with that process.
Using Out-of-Network (OON) Insurance Benefits
Even if I’m not in-network with your insurance provider, you may be able to receive reimbursement through your out-of-network benefits. Many PPO plans offer this option.
Here’s how to find out if you qualify and how to get started:
Step 1: Call Your Insurance Company
Ask the following:
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Do I have out-of-network coverage for outpatient mental health services?
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What is my deductible and how much has been met?
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What percentage of each session is reimbursed?
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Is there a limit on sessions per year?
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Do I need pre-authorization or a referral?
Step 2: Pay for Sessions Privately
You’ll pay for each session out of pocket. I accept American Express, Cash, Discover, Mastercard, Visa.
My current session fees are:
Individual Sessions $125
Couple Sessions $145
Step 3: Request a Superbill
If you have out-of-network coverage, I can provide a monthly superbill — a special receipt you submit to your insurance for reimbursement.
📌 Please Note: A diagnosis code is required on the superbill. This means I will assign a mental health diagnosis based on our work together. I’ll be happy to discuss this with you if you have questions.
Step 4: Submit to Insurance
You’ll submit the superbill directly to your insurance company, many have a member portal or mobile app. If eligible, they will reimburse you directly based on your plan’s rates.
