At the moment, I am an in network provider for Carefirst BCBS and Optum insurance networks.
To ensure we can do therapeutic work together, and if I am not an in network provider for your insurance plan, we must talk about how much that work will cost. I’ve learned that worrying about paying for your sessions can get in the way of doing good work. So, I am committed to the model of Pay What You Can.
If, after our first meeting, we think we could work well together, we should talk about finding a rate you can afford. Because I do not know, and do not want to know, all your financial details, you must be responsible for letting me know what you realistically believe you can afford. Although the responsibility is yours, I will be happy to talk about the things you might want to consider, including:
- Your family income.
- The number of people you are responsible for.
- How much your insurance plan will reimburse you for services provided by an out of network (OON) provider.
- Whether you’ve met your annual insurance deductible. If you haven’t, your insurance probably won’t reimburse you for any of the costs we agree to. However, you should still file a claim because whatever rate we agree to will go toward your deductible. Confusing? Yes. But I’m happy to try to help you with this.
Once you’ve arrived at a rate you can afford, I’ll ask you to pay that rate for each session after each session. I prefer you pay via Zelle or PayPal, but if you need to pay using a credit card, I will ask you to also pay the card processing fee.
Of course, life changes and at times we might want to revisit our rate. If your finances change, for better or for worse, let’s talk about what changes we might make in the rate you are paying.
I hope all this makes sense. But if you have any questions or concerns, let’s talk.