Appointment Fees

My fees are updating in 2026 - please check back for more information in the new year!

I don’t take insurance. Here’s why:

There are several reasons why I do not work with insurance companies as an in-network provider and only accept out-of-pocket payment for therapy.

The first is that working with insurance to pay for therapy requires a not-insignificant administrative burden both for my clients and myself.

Working with insurance also requires me to provide a diagnosis in order for the payer to approve the cost of therapy as “medically necessary.” I do not see therapy as treatment only for medical necessity. Therapy is for everyone no matter their diagnosis or lack thereof.

In addition to the diagnosis requirement, insurance companies have the right to audit client records, again for the purpose of determining medical necessity. This both exposes your personal information to unknown parties and constrains our treatment, as the insurance provider can potentially dictate how our therapy progresses or refuse to pay for the treatment I provide.

In the context of all of this, using insurance to pay for therapy becomes a system of surveillance and policing of client care. I hold deep values of anti-carcerality and anti-surveillance within (and outside of) my therapy practice.

Ultimately, it comes down to the ethical boundaries that guide my practice, and it is against my ethics to participate directly in the insurance system. However, I am able to indirectly

Submitting for Out-of-Network Benefits

Some insurance plans (usually PPO plans) allow patients to see providers who are not in their network and will still cover a portion of the fee. If you wish to submit out-of-network (OON) benefits claims, please inform me at our first meeting so that we may discuss this option. This involves me providing you with a “superbill” to submit directly to your insurance company.  A superbill must include a diagnostic code for a qualified mental health disorder. Please note that full payment is due at the time of services and that your insurance provider will, if they agree to coverage, reimburse you directly. I will have no authority to make decisions about your coverage or dispute denied claims. All clients wishing to submit their bill for out-of-network reimbursement will be charged my full out-of-pocket rate of $200.

These conditions also apply to folks using HSA/FSA cards, because sometimes insurance companies will ask for letters of medical necessity to ensure the money is going towards qualified medical care. Please inform me if you plan to use an HSA/FSA card to pay for services.

For more information and to explore resources related to out-of-network care:

• Guide to using OON benefits: https://blog.zencare.co/guide-to-out-of-network-benefits/

• Reimbursement support, provided by these companies for a small fee: https://www.thrizer.com/, https://reimbursify.com/, https://www.mentaya.com/