Rates
I accept the following insurances for therapy clients in the state of Maryland:
Cigna
Aetna
UnitedHealthcare
Optum Live & Work Well (EAP)
AllSavers UHC
Allied Benefit Systems - Aetna
Christian Brothers Services - Aetna
Health Plans Inc.
Health Scope - Aetna
Meritain
Nippon
Oscar
Oxford Health Plans
Surest (Formerly Bind)
Trustmark Health Benefits - Aetna
Trustmark Small Business Benefits - Aetna
UHC Student Resources
UMR
United Healthcare Shared Services
UnitedHealthcare Global
I also work with clients as an Out Of Network provider (if the clients have OON benefits) and self-pay clients who do not utilize their insurance and pay for therapy out of pocket. The fees due at time of service for OON or self-pay are:
Intake appointments - 50 minutes - $150
Individual therapy sessions - 50 minutes - $150
Individual therapy sessions - 25 minutes - $75
Even if I don’t work directly with your insurance, some services may still be eligible for reimbursement.
What does that mean for you?
If you are not using insurance, you are responsible to pay your rate at the time of service. Although I do not accept other insurances directly, we will happily provide you with the documentation you need to get reimbursed by your insurance company for therapy services - if you are eligible for out-of-network provider reimbursement. You can then submit the documentation to your insurance company, and they will reimburse you directly.
THE REIMBURSEMENT PROCESS
How do you know if you are eligible for reimbursement from your insurance company?
Depending on your insurance plan and coverage, you may have “out-of-network” benefits. While this may seem a little complicated at first, many of our clients navigate this process with minimal difficulty.
We recommend calling your insurance company directly, and ask them the following question:
Do I have out-of-network benefits?
If the answer is no - discuss with HR if there is an option to sign up with a plan with out-of-network benefits during your next open enrollment period.
If the answer is yes, ask the following follow-up questions:
What is my out-of-pocket responsibility?
What is my out-of-network deductible for outpatient mental health?
How much of my deductible has been met this year?
What is my reimbursement rate for the following services?
90832 - Individual Therapy, 30 minutes
90834 - Individual Therapy, 50 minutes
90847- Family Therapy with Client Present
90846 - Family Therapy without Client Present
What is my reimbursement rate for telehealth services?
Do I need a referral from an in-network provider to see someone out of network?
Do I need any other prior authorization to receive these benefits?
How do I submit claim forms for reimbursement?
Is there a deadline for my reimbursement?
Is there anything else I need to do?
NO SURPRISES ACT + GOOD FAITH ESTIMATE
Under the No Surprises Act, health care providers need to give clients who are not using insurance for either in- or out-of-network coverage (self-pay) an estimate of the cost for non-emergency medical items and services called a “Good Faith Estimate” explaining how much their medical care will cost over the course of their treatment.
If this applies to you, we will be provided a Good Faith Estimate in writing to you at least 1 business day before your medical service or item. You can ask for a Good Faith Estimate before you schedule a service, or at any time during treatment.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about Good Faith Estimates visit www.cms.gov/nosurprises.