Insurance and payment

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Currently Accepted Insurance (Primary)

I am currently in-network with the following insurance providers:

• Blue Cross Blue Shield (BCBS) / Anthem

• HealthPartners

• Cigna

• Harvard Pilgrim

• Aetna

• Amplify / Solarte Health

• UCare

• Medica

 

Insurance Accepted Through Alma

The following insurance plans are accepted via my billing partner Alma:

• UnitedHealthcare (UHC)

• UHC Shared Services (UHSS)

• Oxford Health

• UMR

• All Savers (UHC)

• Surest (formerly Bind)

If you’re using one of these plans, you’ll be invited to join Alma after booking your first appointment. There are no additional fees for you—Alma simply streamlines billing and communication.

Click here for updated information on Alma

 

Out-of-Network Billing

If your insurance plan is not listed above, I can provide a superbill upon request, which you may submit to your insurance company for possible reimbursement under your out-of-network benefits.

Please note: I am unable to provide out-of-network services for Medicare or Medicaid members due to federal policy.

 

Private Pay (Self-Pay Rates via Alma)

If you are not using insurance, the following rates apply:

• Adult Intake: $400

• Adult Follow-up: $200

• Child (<18) Intake: $400

• Child (<18) Follow-up: $200

Additional fees for missed appointments or out-of-session services (e.g., forms, extended communication) are outlined in the Practice Documents available in the patient portal.

 

CPT Codes for Insurance Billing

To ensure transparency and accurate billing, I use standard CPT (billing) codes based on time or clinical complexity:

Time-Based Codes:

• 99205: Initial evaluation, over 60 minutes

• 99204: Initial evaluation, under 60 minutes

• 90833: Psychotherapy add-on (16+ minutes of supportive therapy/psychoeducation)

Complexity-Based Codes:

• 99215: Severe symptoms or crisis management

• 99214: Multiple stable conditions with medication management (most common)

• 99213: Single stable condition

• 90785: Additional complexities impacting care

 

Insurance 101

What is a deductible?
The amount you must pay out of pocket before your insurance begins to cover services. Some plans cover mental health services before the deductible is met—check your plan for details.

What is a copay?
A flat fee you pay per visit once your deductible (if any) is met—often $20–$40.

What is coinsurance?
A percentage of the service cost you pay after meeting your deductible. Example: if a service is allowed at $125 and your coinsurance is 15%, you pay $18.75 per visit.

 

Know Your Benefits

While I will verify your benefits before starting care as a courtesy, it is your responsibility to understand your insurance coverage. You can check this by:

• Calling your insurance company directly

• Reviewing your "Summary of Benefits and Coverage" (provided by your employer or health plan)

• Logging into your insurer’s online member portal

Any portion of services not covered by insurance is your financial responsibility.