Fees and Insurance

How much does it cost?  

 

My standard fee is $120 for individual per 50 minute session, $150 couples and $180 for families. I have limited reduced fee sliding scale slots available. Fee will vary for longer sessions, special counseling session packages and groups. 

 

Reduced fee slots are available for MFT Trainee and Intern BBS required personal therapy hours.

 

Do you take insurance?

 

I currently am in network with MHN, HealthNet, Tricare and Cigna.  

This means, that if you have  PPO insurance plan, a portion of my fee is usually reimbursable. 

 

The confidentiality of your therapy sessions is one of the most important parts of the process. Insurance providers require, at times, detailed information about a diagnosis and our work together.  As such, I have chosen to be an out-of-network provider.  This means that your covered amount may be less than with an in-network provider.  I can still provide you with a bill for your insurance, but, for the most part, I do not have to report as much about our therapy as an in-network provider is required to submit.

 

Paying for your own therapy rather than going through your insurance company can provide you with a greater sense control over your treatment. You want to evaluate whether the actual financial benefit outweighs the downsides of compromising your privacy, choosing a limited coverage that may not meet your treatment needs, and perhaps most importantly, restricting your choice of providers.

 

Flexible Spending Accounts (FSA) and Healthcare Spending Accounts (HSA)

 

These accounts allow you to set aside pre-tax dollars to pay for health care expenses. When you sign up for an HSA or FSA, through your employer, and you determine an amount deducted out of your paycheck before taxes are taken out. This money then goes into a separate account. Once you incur expenses for health care (co-payments, acupuncture, contact lenses, or psychotherapy) you submit a claim for reimbursement from that account.

 

Using your FSA or HSA for therapy payments can save you money. For example, if you have to pay out of pocket $100 per psychotherapy session and you’re in a 25% tax bracket. Without the HSA or FSA you pay $100. If you use the money saved in your FSA you are in effect only paying $75 because you’re using money that has not been taxed. If you decide to see a therapist on an ongoing basis, this is a great way to save for your mental health care expenses. Also, statements for submission to HSAs and FSAs do not require a diagnosis and  they cannot request the details of your therapy, protecting your privacy.

 

 

​©2019 by Cherri Davies, LMFT#86298

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