Fees & Insurance

At Turning Toward Therapy, I believe that therapy is a meaningful investment in your relationship, wellbeing, and long-term vitality. I aim to be transparent about fees and help you make informed choices about your care.

Self-pay Session Fees

  • Individual Intake or Therapy (55 minutes): $250

  • Couple Therapy (each session occurring as part of the couple therapy process; 50 minutes): $250

  • Extended Sessions (80 minutes): available as clinically indicated and/or requested (fee TBD)

My rates reflect the market rate for psychologists with similar training and specialization. Even if my fees are beyond your current budget, I welcome you to reach out—we can explore what might be possible.

Payment is due at the start of each session. I accept credit and debit cards through a secure online system. Individual therapy or couple therapy focused on a mental health issue, may be HSA/FSA eligible. Couple therapy, focused solely on the relationship, unfortunately, is not FSA eligible.

Employee Assistance Programs (EAPs)

Important Note About Diagnosis & Insurance

In order to use insurance—whether in-network or out-of-network—your insurer requires that I assign an accurate primary mental health diagnosis and that the services I offer are appropriate to your diagnosis and meet medical necessity. This becomes part of your permanent health record.

Some clients prefer not to use insurance or are ineligible to use their insurance for this reason, particularly when seeking couple therapy for relationship distress, or individual therapy for life transitions, personal growth, or other issues that may not meet criteria for a formal DSM-5/ICD-10 diagnosis. If couple therapy is focused solely on relationship distress (e.g., Z63.0: Problems in relationship with spouse or partner), it likely will not be covered by insurance. I welcome your questions and will support you in making the choice that feels right for you.

Insurance

I utilize HelloAlma for all insurance contracting and billing. I am currently in-network with:

  • Aetna

  • Cigna

  • Carelon

  • Optum (coming soon!)

    You can see the full list of insurance companies with whom I am contracted and double check your insurance eligibility here.

If you are a member of one of the insurance programs above, HelloAlma will submit claims directly on your behalf. You are responsible for any applicable copays, coinsurance, or deductibles, as determined by your plan.

To support my aim of continuing to serve Veterans and Veteran couples in the community, my application with TriCare/TriWest/VA Community Care Network (VA CCN) is in-process. I am unable to accept TriCare/TriWest until the contracting process is completed. I will provide updates as they are available.

Out-of-Network Insurance

If you have a PPO plan from an insurer other than the insurance companies with which I am contracted/in-network, you may be eligible for partial reimbursement for therapy sessions. I am considered an out-of-network provider, which means you pay the full session fee upfront, and I provide a monthly “superbill” (an itemized receipt) for you to submit to your insurance for potential reimbursement. Please let me know if you plan to request a reimbursement through your insurance (“superbills” are only provided upon request). Thrizer may be able to assist with skipping the “superbill” process and allow you to only pay your copay, co-insurance, or deductible when using an insurance with which I am out-of-network as well as assist with checking your coverage/benefits.

Many PPO plans reimburse between 50% to 80% of the session fee after your out-of-network deductible has been met, though the exact amount varies by plan.

To better understand your benefits, contact your insurance provider and ask:

  • Do I have out-of-network coverage for outpatient mental health services?

  • What is my deductible for out-of-network care, and how much of it has been met?

  • What is my coinsurance amount (i.e., percentage of the provider’s fee am I responsible for paying after my deductible)?

  • Is there a cap, or an “allowed amount,” that will be covered (e.g., insurance will only reimburse $100/session, no matter the cost of the session)?

  • Are there any limits on the number of sessions per year?

  • Is telehealth covered for out-of-network providers?

  • Do I need preauthorization or a referral from my primary care provider?

To ensure you're asking about the correct services, you can reference the following CPT (billing) codes:

  • Initial Individual Intake Session: 90791

  • Individual Therapy: 90837, 90834

  • Couple Therapy (with or without client present): 90847, 90846

Medicare

I have “opted out” of Medicare. This means I am not contracted with Medicare and cannot bill Medicare for services. Because of this, if you have Medicare, you would not be able to submit claims for reimbursement through your Medicare benefits. Instead, we would enter into a private agreement where you pay for services directly.

If you are a Medicare beneficiary, I’ll provide you with a written opt-out agreement that we will review and sign together before beginning services. This ensures transparency so you fully understand the arrangement and your options.

If you’d like to talk through what this means for your situation, I’m happy to answer any questions.

Why Limited Insurance Participation?

I accept a limited number of insurance plans to balance accessibility with the ability to provide the highest quality of care. Insurance can be an important way for many people to access services, which is why I do participate with select plans. At the same time, not all insurance options are accessible or feasible for my practice.

By carefully choosing which plans to accept, I can:

  • Increase access to care by partnering with some insurers, while still preserving options for those who prefer to pay privately.

  • Dedicate more time and energy to you rather than administrative paperwork and restrictive billing systems.

  • Protect your privacy and autonomy by minimizing unnecessary sharing of health records.

  • Make treatment decisions based on your needs, not insurance limitations such as session caps, diagnoses, or time frames.

  • Offer care that extends beyond what insurance may cover, including support for relationship concerns, life transitions, or personal growth.

If you’re unsure whether using insurance is the right path for you, I’m glad to walk you through the pros and cons of each option so you can make the choice that best supports your access to care and your overall wellbeing.

Cancellations & Rescheduling

I understand that life is complex and sometimes things come up unexpectedly. If you need to cancel or reschedule your appointment, please provide at least 24 hours’ notice whenever possible. This helps ensure that I can offer the time to someone else who may be waiting for care.

For late cancellations or missed appointments, the full session fee may apply. However, I recognize that emergencies, illness, and unavoidable situations happen—please don’t hesitate to reach out if something unexpected arises. I’ll always do my best to respond with flexibility and understanding.

Accessibility & Support

Therapy is a significant emotional and financial commitment. While I do not offer a sliding scale at this time, I’m happy to assist with referrals to trusted low-fee or in-network providers if that’s a better fit for your current needs.

Good Faith Estimate

Under the federal No Surprises Act, you have the right to receive a Good Faith Estimate (GFE) of the expected costs of therapy services if you are not using insurance or are paying out of pocket.

Because the GFE must be provided before a full assessment or treatment plan is developed, it will reflect the cost of a full year of weekly psychotherapy sessions. This does not mean your care will require 12 months—actual duration will vary based on your needs and goals.

You have the right to:

  • Receive a written Good Faith Estimate before your first session or upon request

  • Ask questions and explore options based on your budget and goals

  • Dispute a bill that is substantially higher than the estimated amount (more than $400 over the GFE)

The goal of this estimate is to support your informed decision-making and financial transparency in your care.

For more information, visit www.cms.gov/nosurprises.