FAQs

Q. Do you take my insurance?

I am currently accepting clients who are in network with Medical Mutual of Ohio. In order to be eligible for IN Network reimbursement for your counseling services through your insurance company, you will need to have a diagnosed mental health disorder and proof of medical necessity.

Q. Can I work with you if I don’t qualify for a diagnosable mental health disorder or I don’t want to use my insurance?

Yes! Many client choose to pay out of pocket for services because it provides us the freedom to explore your concerns without interference from your insurance company. You also do not need a mental health diagnosis or to prove medical necessity for reimbursement.

Issues such as life after divorce, midlife challenges, career pivots, stress reduction, grief and loss, and relationship challenges do not always meet criteria for mental health disorders or medical necessity. In addition, some people prefer to keep their mental health private and not on their medical record. Working privately affords you a higher degree of confidentiality.

Q. Can I work with you if you don’t take my specific insurance?

Yes! If I am not in network with your insurance, I encourage all clients to check with your insurance provider before scheduling your first appointment to find out the details regarding your specific OON benefits for your plan. Many people do not understand how out-of-network reimbursement works, but it does not have to be complicated or limit your choices in selecting a therapist that is right for your and your current needs.

Q. What are out of network benefits?

It’s important to understand that just like INN, in order to be eligible for OON reimbursement for your counseling services through your insurance company, you will need to have a diagnosed mental health disorder and proof of medical necessity. If you meet criteria for a mental health diagnosis and you would like to seek OON reimbursement for therapy, I can provide you with a monthly document called a Superbill, which you will submit for reimbursement.

Q. What’s a Superbill?

Many health insurance companies offer OON mental health benefits to their members.  This means you pay for your counseling services at the time of service and then submit a document called a Superbill (generated monthly) to your insurance company for reimbursement.  A Superbill provides date of service, proof of payment, and required diagnostic and service codes. 

EXAMPLE: Let's say your insurance reimburses 80% for OON services once deductible is met.  You would pay $150 at time of services and your OON reimbursement of $120 would be paid directly to you by your insurance, leaving the actual cost to you at $30/session. 

Q. What is Paying Out of Pocket?

As mentioned above, many client choose to pay out of pocket for services because it provides us the freedom to explore your concerns without interference from your insurance company. You also do not need a mental health diagnosis or to prove medical necessity for reimbursement.

Issues such as life after divorce, midlife challenges, career pivots, stress reduction, grief and loss, and relationship challenges do not always meet criteria for mental health disorders or medical necessity. In addition, some people prefer to keep their mental health private and not on their medical record. Working privately affords you a higher degree of confidentiality.

Lastly, insurance will not pay for support groups, workshops, or extended sessions like 90 minute EMDR sessions or intensives, often prolonging your recovery to remain within the confines of the managed care system. Paying out of pocket allows us to design the treatment plan that best suits your needs without the limits of time and denials.

Bottom Line: paying privately empowers you to choose the therapist that’s the right fit for you and your needs, not just a therapist off some super long insurance list. This is an important variable to consider when seeking support.

Q. What states do you serve?

I am licensed in Ohio and I have counseling compact privileges in Minnesota. For Minnesotans, at this time, national insurance providers are refusing to accept this privilege and are not credentialing clinicians as in-network. If you are in Minnesota, I can see you as either an out-of-network or private pay client. You can try and submit a Superbill to see if you have any out-of-network behavioral health benefits as described above, but I can not guaranteed reimbursement will be possible.

Payment Options

Payment is accepted in the form of credit card (including HSA cards) at the time of service. All clients are enrolled in autopay and I do not accept cash/checks/cashiers checks. You are responsible for full payment at the time of services regardless of out-of-network or insurance benefits. If utilizing insurance, you will owe your copay at the time of service and/or the negotiated rate if in deductible. If insurance denies any claims you will be responsible for covering the session at my full fee.

Late Cancellations and No Show

Late cancellations (not provided 24 hour notice) or not showing for a scheduled appointment will be charged the full session fee. Insurance will not cover late cancellations or no show fees. Managing you schedule and showing up for therapy is part of the Therapy Agreement. If any form of payment is denied, an additional $50 service fee will be added for administration and delayed payment.