Fees 

My standard fee is $200 for a 50-minute session. I currently accept CenCal Insurance but am considered out-of-network for all other insurance plans. If your policy includes out-of-network benefits, you may be able to receive partial reimbursement by submitting a superbill to your insurance provider. The exact amount reimbursed depends on your individual plan.

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How Insurance Works 

In-Network Providers

Some therapists enter into contracts with insurance companies, agreeing to provide therapy at set rates. These are known as in-network providers, and insurance companies typically encourage clients to use them. Reimbursement rates for in-network therapists are generally lower than private practice fees—often between $55 and $80 per session, even though many therapists charge $150–$200 or more privately.

Out-of-Network Providers

As an out-of-network provider, I do not have a contract with most insurance companies. However, many plans still offer out-of-network benefits. These benefits vary, but you may receive either:

  • A flat reimbursement amount (e.g., $45 per session), or

  • A percentage of the session cost (e.g., 50% of $200 = $100)

In these cases, you pay the full session fee upfront and may submit a superbill to your insurance for potential reimbursement. Please note: not all plans offer out-of-network coverage, and some may reimburse nothing at all.

I am considered out-of-network for major insurance companies such as Anthem Blue Cross, Blue Shield, Aetna, Magellan, and others.

Using a Superbill

If you’d like to seek reimbursement, I can provide you with a superbill, which is a detailed receipt that includes the necessary information for insurance submission. It is your responsibility to contact your provider to determine the correct submission process and reimbursement eligibility.

Please let me know at your first session if you’d like to receive superbills. I typically issue them monthly, but I can provide them more frequently upon request.

Questions to Ask Your Insurance Provider

To help you understand your out-of-network benefits, consider asking your insurance company the following:

  • Do I have coverage for outpatient mental health services?

  • Are services from a Licensed Marriage and Family Therapist covered?

  • What is my deductible for out-of-network providers, and has it been met?

  • What portion of the session cost will be reimbursed?

  • How many sessions are covered each year?

  • Do I need a referral from my primary care doctor?

  • Is prior authorization required before beginning therapy?

Additional Notes

  • Insurance does not cover missed appointments or late cancellations. Sessions canceled with less than 24 hours’ notice will be charged the full fee.

  • If your insurer requires a written report to process your claim, I will inform you before writing it. Please note that additional fees apply for report writing.

Have Questions?

I’m happy to walk you through how billing works and answer any insurance-related questions during our first session.