Session fees are $130 per 50-minute session.
I accept credit/debit card payments (Visa, MasterCard, American Express, and Discover), or HSA cards. A credit/debit card is requested to have on file and is provided by you on intake paperwork/forms prior to our first session. All payments are due at time of service.
Depending on your current health insurance provider or employee benefit plan (EAP), it is possible for services to be covered in full or in part. I currently accept the following insurance for individual therapy (I am happy to help you verify coverage; see below for information about couples therapy):
Blue Cross of Idaho
Century Health Alliance
Cigna Healthcare and GWH-Cigna
Regence Blue Shield of Idaho
Please contact your provider to verify how your plan compensates you for psychotherapy services (I am also happy to help you verify coverage). I’d recommend asking these questions to your insurance provider to help determine your benefits:
- Does my health insurance plan include mental health benefits?
- Do I have a deductible? If so, what is it and have I met it yet?
- Do I have a copay? If so, how much is it per therapy session? (Please note therapy copays may differ from what appears on your insurance card and what your copay may be for other health services).
- Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
- Do I need written approval from my primary care physician or other pre-authorization in order for services to be covered?
Any co-payments and/or deductibles are due at time of service.
For my Out-of-Network individual clients, I am happy to provide you with a SuperBill for you to submit to your insurance carrier for possible ‘out-of-network’ reimbursement. Please contact your insurance provider directly to see if this may be an option for you.
Please note when using insurance for your mental health care: Insurance companies require a diagnosis after the first session that meets “medical necessity.” They also can request to see notes and treatment plans from our sessions. They may determine the number of sessions and the nature of sessions. We can talk more about this if you like. I can walk you through how this works.
All couples/marital therapy is private pay only at the rate of $130 per 50-minute session.
Some EAP’s (Employee Assistance Program) will allow sessions to be used for couples therapy. Please let me know if you plan to use your EAP for couples therapy.
Why Can’t I Use My Health Insurance to Cover Couples Therapy?
Most health insurance companies are very clear that they do not provide any benefits or coverage for marital or couples therapy.
Some therapists may be willing to bill couples therapy as “Family Therapy with Client Present,” which is assumed to mean that only one person is the client, and a family member attends to assist in the treatment of the other individual. However, because of how clear insurance companies have been that the intent of this Family service is not to provide coverage for marital or couples therapy, I do not attempt to bill insurance for marital or couples therapy in this way.
Do You Provide SuperBills for Couples Therapy, So That I Can Seek Reimbursement From My Insurance Company Directly?
Unfortunately, no, as there are at least two possible problems with this:
- The SuperBill will say “Couples Therapy” in the service description, which is likely to trigger a denial of reimbursement; or
- Even if the insurance company ignores the service description and provides reimbursement, it could be viewed as a violation of my contract with them to bill their members in this manner for what they believed was a covered service.
Cancellation or rescheduling of sessions must be made at least 24 HOURS IN ADVANCE. Late cancellations will be charged at the regular hourly fee to your credit card.
Good Faith Estimate
For clients not using insurance to pay for your therapy, you have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
Click HERE for more information about a “Good Faith Estimate” from Susan.