Insurance & Reimbursement

Therapy is a meaningful investment, and I know the cost can feel significant. Many of my clients use their out-of-network benefits to help cover sessions, and I aim to make that process as clear and manageable as possible.

out-of-network provider

I am an out-of-network provider, which means you pay for sessions directly. If your insurance plan includes out-of-network mental health benefits, you may be able to receive partial reimbursement after meeting your deductible.

questions to ask your insurance provider

Before beginning therapy, you may want to call your insurance company and ask:

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

  • What percentage of each session is reimbursed?

  • What is my deductible, and how much of it have I already met?

  • Do you reimburse for sessions with an LCSW in New York State?

  • How do I submit superbills, and how long does reimbursement take?

A short phone call can give you a clear sense of your actual out-of-pocket cost.

using fsa or Hsa funds

Many clients choose to use a Flexible Spending Account (FSA) or Health Savings Account (HSA) to pay for sessions. These accounts typically cover psychotherapy with no additional documentation beyond receipts.

questions?

If you’re unsure about your benefits or how reimbursement works with your specific plan, I’m happy to talk through what to expect and help you find clarity before getting started. Reach out through my Contact page and I’ll be in touch.

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