All payment is handled through a secure client portal, and all major credit/debit cards, including Health Savings Account (HSA) and Flexible Spending Account (FSA) cards are accepted. HSA and FSA accounts can be used to pay for medical expenses such as therapy (both individual and couples/relationship therapy), and can often significantly decrease the cost of treatment.
I accept Cigna, BlueCross and BlueShield, United Healthcare, and Aetna insurance. When health insurance is utilized for therapy, the insurance company will only cover mental illnesses. Please note that a valid mental illness needs to be assigned by the therapist during the initial evaluation.
I am also happy to provide monthly invoices (called “superbills”) to individual clients who wish to submit claims for potential reimbursement of any out-of-network benefits they may have under their plan/policy. I encourage you to contact your insurance company to learn more about your benefits coverage, as each plan varies.
Do you take our insurance for couples/relationship therapy? is a common question that takes a moment to answer:
If your insurance covers couples counseling, it typically does so under the condition that one partner has a diagnosed mental illness that is the focus of treatment, with the other partner participating only to support their spouse's treatment. In this case, the insurance company requires a mental health diagnosis for the "identified patient," which becomes part of their medical record and is reflected in the therapist's notes. It's crucial to be aware that having a mental illness diagnosis in your medical record could potentially affect future applications for things like life insurance, long-term care insurance, military service, law enforcement, some firefighting positions, and pilot's licenses.
However, most couples seek therapy for relationship issues such as communication problems, conflict, emotional disconnection, intimacy concerns, parenting challenges, and trust issues, rather than to treat one partner's mental illness. Since health insurance only covers the treatment of medically necessary mental illnesses, the scenario described above doesn't usually apply. Furthermore, when the focus of therapy is the couple as a unit, billing insurance as if only one individual is being treated constitutes insurance fraud.
I appreciate your patience in reading through this, and I realize that understanding health insurance can be quite confusing, so please always feel free to follow up with any questions you have.