Insurance

Self-Pay

Self-pay is the simplest and most straightforward way to work together, though it is not always accessible for everyone. Many clients prefer this option because it offers:

  • Increased privacy (no diagnosis or insurance involvement)

  • Greater flexibility in treatment focus and pace

  • No limits, session caps, or requirements from insurance companies

For those who would like to use their out-of-network benefits, you’ll find more information below.

Working with Out-of-Network Benefits

I am an out-of-network (OON) provider, which means you may be able to receive partial reimbursement for therapy. Many clients with out‑of‑network benefits are reimbursed approximately 50–80% of my full session fee once any deductible is met, but reimbursement depends on your specific plan and is not guaranteed. My full session fee and info about accepted payment methods is listed on my General FAQs page.

If you’d like help simplifying this process, you can choose to use Thrizer, a reimbursement platform that helps automate claims when you pay for sessions. Thrizer can also provide a rough, instant estimate of potential reimbursement based on your insurance information. Reach out if you’d like to learn more or have questions about this option.

Questions to Ask Your Insurance Company

Before using your out‑of‑network benefits, it’s helpful to call your insurer and ask:

Do I have out‑of‑network outpatient mental health coverage?

  • Can these benefits be used for telehealth sessions?

  • Does my plan reimburse for therapy with an LCAT (Licensed Creative Arts Therapist)?

  • What is my out‑of‑network deductible and how much have I met so far?

  • What percentage of the session fee will be reimbursed after meeting the deductible?

  • What is the allowed rate for CPT codes 90834 or 90837?

  • How do I submit claims and how long does reimbursement usually take?

Insurance companies use specific codes and terms, so it’s okay to ask them to explain anything you don’t understand.

A Note About Diagnosis

Insurance companies require a formal mental health diagnosis in order to reimburse services, and I do not provide diagnoses. In many cases, a diagnosis may already be available through your primary care provider or a previous mental health provider. If not, I’m happy to help connect you with a trusted clinician who can provide one if needed for reimbursement. Once a diagnosis is established, claims may be submitted through Thrizer or independently using a superbill.