Why I Do Not Contract With Insurance Providers
Choosing a therapist is a deeply personal decision, and understanding how payment works is an important part of that choice. I am an "out-of-network" provider, which means I do not contract directly with insurance companies.
While using insurance can seem like the most straightforward option, working outside of that system allows me to offer a higher quality of care that is entirely focused on you.
How This Benefits Your Care
Total Confidentiality: When you use insurance, your company requires a formal mental health diagnosis, and they have the right to review your session notes and treatment history. Paying out-of-pocket keeps your mental health record entirely private and between us.
No Arbitrary Limits on Your Care: Insurance companies often dictate how many sessions you can have, how long those sessions can be, and what specific types of therapy I am allowed to use. By staying out-of-network, you and I decide exactly what your healing process looks like—not an insurance adjuster.
Focus on True Wellness: Insurance requires proving "medical necessity," which means focusing heavily on pathology and symptoms. Many people seek therapy for personal growth, navigating life transitions, or relationship alignment—reasons insurance often refuses to cover, but are incredibly vital to your well-being.
Utilizing Out-of-Network Benefits - You Can Still Have Insurance Cover Our Sessions!
If you would still like to utilize your insurance, many plans offer Out-of-Network (OON) benefits that reimburse a significant portion of therapy costs.
I am happy to provide you with a monthly document called a Superbill (an itemized receipt of services). You can submit this directly to your insurance company, and depending on your plan, they may reimburse a percentage of all session fees.
Tip: I highly recommend calling the number on the back of your insurance card and asking: "What are my out-of-network outpatient mental health benefits, and do I have a deductible to meet first?"