Insurance & Self-Pay Options
Understanding how fees and insurance work can help you decide if working together is a good fit. Below is how payment is handled for the services I offer.
Your Options
1
Insurance
When you use your insurance benefits, your plan may cover part or all of your session fee. You may be responsible for a copay, deductible, or coinsurance, depending on your coverage
2
Self-Pay
Choosing self-pay means you pay out of pocket for sessions and don't involve insurance. This gives you more flexibility and privacy in how we work together.
3
Out-Of-Network
If I'm not in-network with your insurance provider, you may still be able to use your out-of-network benefits. I've partnered with Mentaya, a free to you service that helps file claims and track reimbursement for you.
Fees
The fee for individual and couples therapy is $150 per session.
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Payment is collected at the time of service. I accept major credit cards, debit cards, and HAS/FSA. I'm unable to accept cash or personal check at this time.
*For information on using insurance benefits, see the section below
Using Insurance Benefits
Using insurance can make therapy more affordable, but it also comes with limitations. Most plans require a mental health diagnosis and may restrict the number or type of sessions covered. In some cases, changes to your coverage or plan can unexpectedly disrupt care. If you have questions about whether insurance is the right fit for your goals, I’m happy to talk through it.
I'm also paneled with many major insurance carriers in TN & VA
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Blue Cross Blue Shield Tennessee (BCBSTN)
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Aetna
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Anthem Blue Cross Blue Shield
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Optum
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UnitedHealthcare / UBH (UMR)
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Tricare East (certified; considered out-of-network for reimbursement)
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I also accept Cigna and Carelon Behavioral Health via Headway only
Coverage and copays vary by plan. We'll verify benefits before your first appointment.
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We are not in-network with Medicaid or Medicare plans.
Using Out-of-Network Benefits
If I’m not in-network with your insurance, you may still be able to get partial reimbursement for therapy using your out-of-network benefits. You’ll pay for sessions directly, and I’ll provide the documentation or submit claims through Mentaya, a service that handles the paperwork at no cost to you. If your plan offers out-of-network coverage, you’ll be reimbursed directly based on your plan’s terms.
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Questions to Ask Your Insurance Provider
When calling your insurance company, you can ask:
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Do I have out-of-network benefits for outpatient mental health?
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Is there a deductible I need to meet first?
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What percentage of each session is reimbursed?
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Are there any session limits per year?
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Do I need pre-authorization or a referral?
Here’s how it works:
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You’ll create a Mentaya account using this link.
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After each session, we’ll submit your visit through their portal.
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Mentaya files the claim and manages follow-up with your insurance.
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If your plan offers reimbursement, the payment is sent directly to you.
Timing varies by plan, but many clients find this process smooth and low-effort. If you're unsure whether your plan includes out-of-network coverage, we’re happy to check before you begin.
Good Faith Estimate
You have the right to recieve a "Good Faith Estimate" explaining how much your medical and mental health care will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services. You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.