Rates & Insurance

Rates

My rate is $150 per session, private pay. A superbill will be provided to submit for insurance reimbursement. Please check with your insurance plan for the amount likely to be reimbursed. 

Cancellation/No Show Policy

For same day cancellation, I need to charge a $50 cancellation fee.  For a No Show, I need to charge $75.  If cancellations or No Shows are frequent, I need to reserve the right to charge for the full session, $150. Please note, Insurance will not provide reimbursement for cancellation/no show fees. 

Payment

The simplest form of payment is through the Electronic Medical Records system, which uses Stripe, and accepts major credit cards such as Visa, Mastercard, and others.   

If you are attending in person, and would prefer to pay in person, payment will be processed at the beginning of the session using a HIPPA secure Clover system. 

Insurance Reimbursement

My practice is private pay and is considered Out of Network. You may still receive a reimbursement from your insurance company. While many plans are different, you may receive a reimbursement of 50-100% of the cost of the service.

If you would like to understand more about your plan for out of network services, you may begin by checking your Summary of Benefits Statement as well as calling your health insurance company for clarification.

On your Summary of Benefits, check Mental Health Coverage, then Outpatient Visits. For example, if your Out of Network Benefits read “30% Co-insurance” this means you are responsible for 30% of the cost. My rate is $150, so in this example, you would be responsible for $45, and your insurance would reimburse you for $105.

Please ask your health insurance company about your yearly deductible. Many insurance plans do not reimburse mental health services until your yearly deductible is met. (Please verify that your out of network cost will count toward that deductible, as this may vary by plan.)

Other questions to ask your health insurance company about your out of network benefits:

1. What is my out-of-network coverage for outpatient mental health visits?

2. Is there a deductible that needs to be met prior to services? How much of my deductible has been met this year?

3. Is there a limit on the number of sessions my plan will cover per year? If yes, how many?

4. Do I need a referral from an in-network provider or a primary care physician to see someone out-of-network?

5. How do I submit claims for out-of-network reimbursement?

6. Are virtual outpatient mental health visits (or teletherapy) covered by my plan?

7. Is there anything else I need to know about utilizing my out-of-network benefits such as limitations, rules, or other “small print” things to know.

Any Other Questions

For other questions, please reach out to me at kala_cunningham@outlook.com