When you call your insurance provider, here are some key questions to ask:

• Do I have out-of-network mental health benefits?

• What is my out-of-network deductible and how much of it have I met?

• What percentage of the session fee will you reimburse?

• Is there a limit on how many sessions are covered per year?

• What do I need to submit to receive reimbursement?

• How long does reimbursement typically take?

Having these answers before we get started will give you a clear picture of what therapy will actually cost you out of pocket.

A superbill is a detailed receipt of your therapy sessions that includes everything your insurance company needs to process a reimbursement claim - session dates, fees, diagnostic codes, and my provider information. I generate superbills automatically through my client portal and can provide them on a monthly basis.

To submit one, log into your insurance company’s member portal and upload the document, or follow your plan’s specific instructions for out-of-network claims. If you’ve never done this before, it’s usually more straightforward than it sounds.

The short answer is that insurance-driven therapy often compromises care. When insurance companies are involved, they can dictate session limits, require specific diagnoses, and push for shorter, more structured treatment, which works fine for some concerns but isn’t suited well for deep trauma work, attachment healing, or intensives.

Staying out of network means I get to make clinical decisions based entirely on what’s best for you, not what a plan is willing to authorize. It also means I can offer approaches that are rarely covered. I know it’s a real financial consideration, and I take that seriously, which is why I provide superbills and support you in accessing whatever out-of-network reimbursement you’re entitled to.

It’s a fair question and one I don’t take lightly. The honest answer is that specialized, evidence-based therapy (especially modalities like EMDR, ART, and PIT) requires extensive training, ongoing consultation, and significant investment on my end to be able to offer it well.

Beyond that, private pay therapy means I can give you my full attention, keep my caseload manageable, and spent time between sessions on your care without the administrative burden of insurance billing driving decisions about your treatment.

What you’re paying for sin’t just 50 minutes in a room. It’s years of specialized training, genuine investment in your progress, and care that’s built entirely around you.

Yes, I accept HSA and FSA cards for all sessions. Most plans cover mental health services, but eligibility can vary, so I’d recommend double-checking with your specific HSA/FSA provider before we get started to confirm your session will qualify.

Not necessarily. Reimbursement depends entirely on your specific insurance plan and your out-of-network mental health benefits. A superbill gives your insurance company everything they need to process a claim, but whether and how much they reimburse is unique to your specific plan. I’d recommend confirming your out-of-network benefits before we start so you know what to expect.