Why I Do and Don’t Take Insurance

Patient satisfaction and protection are my priority.
Insurance companies require their contracted, in‑network providers to share your diagnosis and treatment notes in order to receive payment. Doing so waives your right to privacy, regardless of HIPAA laws. These treatment notes may become part of your permanent medical record, which can have unintended consequences related to employment, firearm ownership, or obtaining future medical or life insurance. For these reasons, I am not listed as a contracted or in‑network provider with any insurance company.

Another reason?
Insurance companies often require therapists to follow pre‑approved—and restrictive—treatment models. For example, they may limit the number of sessions they will cover. These requirements typically serve the insurance company’s needs, rather than the client’s (which is not ideal). Because I am not contracted with H.M.O. insurance plans, I can better protect the confidentiality of your therapeutic information. Most importantly, I have the freedom to tailor your treatment plan to your individual needs without being governed by insurance company regulations.

How Do I Know What Insurance Will Cover?

To avoid any surprises with your PPO coverage, consider asking your insurance provider the following questions:

Do I have out‑of‑network mental health benefits?
What is my deductible, and has it been met?
How many sessions per year does my plan cover?
What is the reimbursement amount per therapy session?
Is approval required from my primary care physician?
Does my plan reimburse diagnostic codes, such as F43.20?

Additional questions regarding H.M.O. coverage

Do You Have a Sliding Scale?

Access to mental health care is extremely important to me. I am committed to increasing access to quality mental health services. To support this goal, I reserve several sliding‑scale spots within my practice. If my standard fees present a financial barrier, please don’t hesitate to reach out. We can discuss placing you on my waitlist for sliding‑scale appointments.

Insurance Yes & No

Why I Do and Don’t Take Insurance

How Do I Know What Insurance Will Cover?

Do You Have a Sliding Scale?