USING INSURANCE FOR THERAPY SESSIONS IN OK & TX
I am not in network with insurance plans, but your plan may offer out-of-network benefits, reimbursing part of the session cost.
Check Your Insurance Out-Of-Network Benefits & What You’ll Pay
For insurance not listed, visit Thrizer or contact your insurance company. Medicaid, Medicare, and Tricare do not cover out-of-network services.
I do not submit insurance claims directly. Instead, I provide a "superbill” after payment that you can submit to your insurance company for potential reimbursement.
Some clients choose to use third-party reimbursement support services, such as Thrizer, Mentaya, or Reimbursify to help submit out-of-network claims for a small fee. I do not receive any financial benefit or compensation from these services.
Why Private-Pay Therapy
You are paying for specialized care. Many therapists in larger practices are expected to maintain high caseloads, often 25 or more clients a week. A high-volume model can leave less focused and energy for deeper work. I intentionally maintain a smaller caseload so I can be fully present with you and dedicate time to advanced training that helps me provide more effective care. You are not simply paying for 60 minutes of conversation. You are investing in individualized care.
Your therapy is between you and me. When you choose private-pay therapy, there is no insurance company involved in your care. For professionals or anyone who values privacy, this can be an important consideration. Learn more about Insurance & Therapy below.
Insurance & Therapy: What You Need to Know About Privacy and Coverage
When insurance is used for therapy, a mental health diagnosis is required to process claims. That diagnosis becomes part of your medical record and may be shared with insurance providers or other authorized entities. This information may be reviewed for certain insurance applications or employment requiring medical or security clearances.
Insurance companies determine which diagnoses and services qualify for coverage, and therapy must meet medical necessity criteria rather than focus on personal growth or self-exploration.
Insurance companies may request clinical information such as diagnoses, treatment plans, or progress notes to authorize or reimburse services. Although they are required to protect your information, once it is submitted, you have limited control over how it is stored or used within their systems.
If maintaining a greater level of privacy and control over your mental health information is important to you, private-pay therapy may be the best option.
You can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for therapy, which can help reduce your overall cost of treatment. Many HSA and FSA plans include a debit card that can be used to pay for eligible healthcare expenses, including therapy.
Short-Term EMDR & Brainspotting Option
If you want to keep therapy costs down, you can work with an in-network therapist and see me specifically for EMDR and brainspotting to process unresolved experiences.
Another option is an EMDR intensive (OK / TX), which allows for deeper trauma work in fewer sessions.
This hybrid approach gives you access to specialized trauma treatment without paying specialty rates. Because many insurance plans have few in-network EMDR-certified or Brainspotting therapists, you can receive specialized care while continuing your regular therapy through your insurance benefits.
No Surprises Act
Under the federal law “No Surprises Act” implemented in January of 2022, health care providers are required to inform individuals who are not enrolled in a plan or coverage or a federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing.
You are entitled to receive a “Good Faith Estimate” of what the charges could be for psychotherapy services provided to you. While it is not possible for a counselor to know, in advance, how many psychotherapy sessions may be necessary or appropriate for a given person, the Good Faith Estimate provides an estimate of the cost of services provided. Your total cost of services will depend upon the number of psychotherapy sessions you attend, your individual circumstances, and the type and amount of services that are provided to you. The estimate is not a contract and does not obligate you to obtain any services, nor does it include any services rendered to you that are not identified.
If you are billed for more than the Good Faith Estimate, you have the right to dispute the bill.
For questions or more information about your right to a Good Faith Estimate or the dispute process, visit www.cms.gov/nosurprises or call CMS at 1-800-985-3059.