No. There are other ways to pay for services.

Payment Methods

American Express, Cash, Discover, Health Savings Account (HSA), Mastercard, Visa

💳 Paying Out-of-Pocket or Using a Superbill

If you're not using in-network insurance, you still have options to receive support and potentially offset the cost of therapy.

🔹 Out-of-Pocket Clients

You’re welcome to pay directly for services without going through insurance. Many clients choose this for greater flexibility, privacy, or because they prefer not to work within insurance limitations.

Benefits of private pay:

• No need for a diagnosis to receive care

• Full control over your session focus and length

• More scheduling flexibility and confidentiality

Session fees range from $–$, depending on the service provided. Payment is due at the time of service.

My goal is to provide high-quality, personalized care that supports your healing and empowerment—without hidden surprises about cost.

Fees

• Individual Sessions $170

• Couple Sessions $200

• Intake Session $200

• Lower-Cost Sessions or “Sliding scale” are available. Simply request an application to see if you may be eligible. Fees could be reduced as low as $75-150.

• Shorter sessions can also be a cost-efficient option in some cases (30 min or 45 min are a lower total cost, for example)

Both. In-person appointments are available to Michigan residents who are within driving distance of Adrian, MI or Lenawee County in Southeast Michigan.

Virtual Telehealth appointments are also available to Michigan residents.

Many client prefer a “hybrid method” that allows the flexibility and convenience of both in-person and virtual appointments.

Many client are able to reduce their out-of-pocket costs by using insurance benefits. Here’s how it works:

• If you’ve met your deductible: Your insurance may cover most—or even all—of your session cost.

• If your deductible hasn’t been met: You’ll pay the full session fee until it is met. Afterward, your costs may drop significantly.

• Some plans (like Blue Care Complete) may cover 100% of the fee'; however, you may still be responsible for a copay (typically $5-$40 for an office visit).

• Copays and coinsurance may still apply depending on your plan.

*Tip: Glance at your insurance card. Your deductible and copay information may be displayed on the front of the card. The back of your insurance card often has a Customer Service number. You can also use an online portal to review your plan information.

*Tip: Contact your insurance provider and ask: “What are my outpatient mental health benefits for in-network providers?”

Sometimes, navigating insurance can feel overwhelming and confusing. Just know that any preliminary work you do will save you a headache later! Simply check your health plan mental health benefits.

*Request a New Client Packet for more thorough explanation.

🔹 Superbill for Reimbursement (Out-of-Network Benefits)

If I’m considered out-of-network with your insurance provider, you may still be able to get reimbursed for a portion of the fee.

Here’s how it works:

1. You pay the full session fee up front.

2. I’ll provide a monthly superbill (an itemized invoice with diagnosis and service codes).

3. You submit it to your insurance company.

4. They reimburse you directly based on your out-of-network coverage.

📌 Note: Reimbursement rates vary widely—some plans cover up to 60–80% after you meet your out-of-network deductible.

🧭 Not Sure What Your Plan Covers?

Insurance companies expect members to ask about CPT (Current Procedural Terminology) codes when verifying benefits, especially for mental health services. In fact, it's one of the most precise and effective ways for you to get accurate answers.

Here are helpful questions to ask your insurance provider:

• “Do I have in-network” mental health benefits?” (outpatient)

• “Do I have out-of-network mental health benefits?”

• “What is my out-of-network deductible, and how much have I met so far?”

• “What percentage is reimbursed for CPT code 90837 (or 90834) with a licensed therapist?”

• “What’s my deductible and copay for office visits?”

• “Have I met my deductible?”

✅ Here's why asking about CPT codes works:

Insurance reps use CPT codes internally to determine coverage, allowed amounts, and reimbursement rates. When a member (you) calls and asks:

“What is the allowed amount and reimbursement rate for CPT code 90837 with an out-of-network provider?”

…you’ll be given an exact number (or percentage) if the representative is thorough and the plan covers it.

📘 Top CPT Codes Mental Health Clients Should Know:

• 90834 = 45-minute individual therapy session

• 90837 = 55–60-minute individual therapy session

• 90791 = Initial diagnostic evaluation

• 90847 = Family/couples therapy with the client present

🔍 Example Script:

“Hi, I’m calling to check my out-of-network benefits for outpatient mental health therapy.
Can you tell me:

• If I have benefits for CPT code 90837?

• What the allowed amount is?

• What percentage is reimbursed after my deductible?”

It’s wonderful to ask questions! That’s what the customer service reps are for!