If you are insured:

If the mental health benefits of your insurance policy give you “out of network” benefits, you are entitled to see any licensed clinical psychologist that you choose.  I am not a provider on any managed-care panels except for Medicare.  I accept payment up front at the time of the session.  At the same time, I will give you a completed claim form that you can send to your insurance company for reimbursement.  You will be reimbursed by the insurance company usually within 3 to 4 weeks. 

For those who find it difficult to pay up front before they start being reimbursed by their insurance company, I can arrange a flexible payment plan for you.  Give me a call to discuss this option at 703 978-0471.

What will the insurance company pay?  When you call to find out your benefits for outpatient psychotherapy, you will be told what your deductible is, how much of your deductible has been met, how many visits you have in a calendar year (find out when the year begins) and what percentage of the “usual and customary receivable” (UCR) or “allowed charges” they will pay.  The frustrating part is that the insurance company will not tell you what the UCR is and you will not find out until you receive your first reimbursement.  However, I can often be a good source of information on this as many insurance companies have standard policies.  Again, give me a call to see if I can be of help here. 

Medicare:  If you have Medicare, I will submit your claims for you.  Medicare usually pays 50% of the allowable which is currently $99.02.  If you have a supplemental policy, the other 50% of the allowable will usually be covered and you will not have any out of pocket expenses.