Frustratingly it’s different for every plan! Before we meet for the first time I can contact your insurance company and get a quote for your deductible, co-pay, and co-insurance - these are usually accurate but not guaranteed.

Let’s talk. I believe that therapy should be accessible to all, and cost is a major barrier for a lot of people. Some plans offer relatively good out-of-network coverage, others… do not. I also use a sliding scale based on individual circumstances.

At the beginning of each plan year (often January, but can be any month) your deductible (if you have one) resets. At that point your insurance won’t pay for any therapy costs until you have met that deductible, so you will be responsible for the full cost of each session. Once you meet that deductible you will likely still owe a co-pay (e.g. $40) or co-insurance (e.g. 20% of the cost) each session. If you have a lot of healthcare expenses, you may also meet an out of pocket maximum at some point during the year - that means that insurance will pay for all sessions, no co-pay required.

Each plan is different and I can’t guarantee what any given plan will cover, but I’m happy to help you try to decipher confusing insurance language.

Unfortunately I’m not in-network with any HMO plans right now.

Some insurance plans offered via the exchange cover all in-network providers, but, frustratingly, some plans limit the providers they cover. You can call the number on the back of your insurance card and ask if I am in-network for your plan, or email me and we can try to figure it out together.