Insurance and Fees

In-Network Insurance

I am currently an in-network provider with the following insurance companies:

  • Aetna

  • Blue Cross Blue Shield (BCBS)

  • The North Carolina State Health Plan (SHP)

As of January 2026, my rate for a 55 minute individual therapy session is $215. My rate for the initial intake assessment is $225.

Your Coverage and Responsibility

While I am in-network with the carriers above, every individual plan is different.

Please be aware of the following:

  • Deductibles: Many plans require you to pay a certain amount out-of-pocket each year before your insurance benefits "kick in." If you have not yet met your deductible, you may be responsible for the full contracted rate of the session.

  • Co-pays & Co-insurance: Once your deductible is met, you are typically responsible for a fixed fee (co-pay) or a percentage of the session cost (co-insurance) at the time of service.

  • Verification: I recommend calling the member services number on the back of your insurance card prior to our first session to confirm your "Outpatient Mental Health Benefits."

Out-of-Network Insurance (Enhanced Support)

If I am not an in-network provider for your specific insurance plan, you may still be able to utilize your Out-of-Network (OON) benefits. Many PPO and POS plans offer significant reimbursement for psychological services.

We Handle the Paperwork for You

Unlike many private practices that require you to navigate the reimbursement process alone, my practice provides dedicated billing support.

Direct Filing: My billing specialist will file your out-of-network claims directly with your insurance company on your behalf.

  • Reduced Administrative Burden: This eliminates the need for you to manage "superbills" or navigate complex insurance portals.

  • Direct Reimbursement: Depending on your plan, your insurance company will typically mail a reimbursement check directly to you once the claim is processed.

Note: Payment is due in full at the time of your session. Our billing support is a complimentary service designed to help you access your benefits as efficiently as possible.

  • The Essential Questions:

    1. The Deductible: "Do I have a deductible for outpatient mental health services? If so, how much is it, and how much has been met so far this year?"

    2. The Cost Per Session: "Once my deductible is met, what is my co-pay or co-insurance percentage for an office visit? (Specifically, CPT code 90837 for a 55-minute individual session)."

    3. Telehealth Coverage: "Does my plan cover telehealth (video sessions) the same way it covers in-person visits? Are there any specific requirements for the platform used?"

    4. Out-of-Network (Only if applicable): "If I see an out-of-network provider, what is the 'allowable amount' for code 90837, and what percentage of that will you reimburse me?"

    5. Pre-Authorization: "Do I need any prior authorization or a referral from my primary care doctor before I start therapy?"

    Closing:

    "Can you provide a reference number for this call so I have it for my records? Thank you."

    Please note: While I will also verify your benefits on my end, this information is provided as a courtesy. The final determination of benefits is made by your insurance company at the time a claim is processed.