• Some health insurance plans

• Massachusetts Victim Compensation

• Out of pocket payment via: Credit card, Health Savings Account (HSA) card, or Flexible Spending Account (FSA) card

The FAQs below have further information on each of these options.

The initial video consultation (around 15 minutes) is free!

If using insurance directly, the amount you owe for each appointment will depend on your health insurance policy. You can ask about your copay/coinsurance and deductible (if any) from your insurance company directly; I can also check your benefits for you. Any costs that your insurance does not cover will be billed to you.

If not using insurance directly for appointments, the rate for individual therapy is $200 per session. If I am not an in-network provider with your insurance and you have out-of-network benefits you wish to use, you can request reimbursement from your insurance plan toward costs paid by submitting monthly receipts (called superbills) that I provide.

If using Massachusetts Victim Compensation for payment, there is no cost to you per appointment, and Victim Compensation will be billed $200 per session. Any costs (such as cancellation fees) that Victim Compensation does not cover will be billed to you.

I am in-network with the following insurance companies, except for their Medicare and Medicaid (MassHealth) plans. Being in-network means that I can accept direct payment from these insurers:

• Aetna
• All Savers (UHC)
• Allied Benefit Systems
• Christian Brothers Services
• GEHA (Government Employees Health Association)
• Health Plans Inc.
• Health Scope
• Mass. General Brigham (formerly AllWays Health Partners)
• Meritain Health
• Nippon
• Optum
• Oscar
• Oxford
• Surest (formerly Bind)
• Trustmark
• UMR
• United Healthcare (UHC)

I am also in-network with the following student health insurance plans:

• Boston College Student Plan

• Boston University Student Plan

• Gordon College Student Plan

• Tufts University Student Plan

• Worcester Polytechnic Institute Student Plan

• Wentworth Institute of Technology Student Plan

If your insurance plan includes out-of-network benefits, you have the option to see providers who are not contracted with your insurance company (i.e. in-network) and then seek reimbursement afterward from your insurance company toward costs that you have paid.

I am an out-of-network (OON) provider with all insurance companies that are not listed in the previous FAQ response. If I am not in-network with your insurance company and you have out-of-network benefits you wish to use (from any insurer), you can request insurance reimbursement toward costs you’ve paid by submitting monthly receipts (called superbills) that I provide to you.

Not all insurance plan types offer out-of-network benefits, but PPO plans generally do. Insurance policies vary, so it is important for you to know how your policy works. For plans that offer out-of-network benefits, reimbursement rates of up to 80% of the session fee are most common. Some policies may base the reimbursement amount on what they consider to be a “usual and customary rate” (UCR) or another metric. Reimbursement may depend on your deductible being met, along with other factors. Please note that insurance reimbursement is not a guarantee.

In Massachusetts, according to a law passed in 2021, insurance reimbursement for mental health services via telehealth (including video) is required to on par with reimbursement for mental health services received in-person, in perpetuity.

Some health insurance plans (generally PPO plans) have out-of-network (OON) benefits that you can utilize to seek reimbursement toward your previous payments to me.

To find out more about your benefits, you can call your insurance plan.

The following questions may be helpful:

1. What are my out-of-network mental health benefits?

2. What is my co-insurance or copay for out-of-network mental health services? Is there a maximum reimbursement amount or percentage per session?

3. Do I have a deductible to meet before I'm able to receive reimbursement for outpatient mental health appointments? When does the deductible re-set?

4. Does my plan limit how many sessions per calendar year can be covered?

5. For therapy sessions, will my plan reimburse for both CPT code 90834 (“45-minute sessions” lasting 38-52 minutes) and CPT code 90837 (“60-minute sessions” lasting 53 minutes or more) – or only for 90834?

6. Do I need a referral or a preauthorization to receive reimbursement for seeing an out-of-network therapist?

7. Do I have an out-of-pocket maximum (the amount I pay per year before my plan starts paying 100% of costs)?

8. How do I submit forms for reimbursement?

9. Is there anything else I should know?

Yes! If you have been approved for Victims of Violent Crime Assistance through the Massachusetts Victim Compensation program, I can bill the program directly. Victim Compensation can be used for payment as long as (1) therapy relates to the crime and (2) I either do not accept your insurance or using your insurance is not possible for safety or other reasons.

Yes! If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA) for healthcare expenses, you can use either card to pay for therapy appointments.

If you are using insurance directly for therapy, you can still choose to use your HSA or FSA card for copayments/coinsurance and/or toward your deductible.

Please note that HSA and FSA cards are not able to be used for cancellation and missed appointment fees.