Our practice operates as an independent, out-of-network provider for commercial insurance panels, meaning we do not contract directly with commercial insurance companies.

We have intentionally chosen this path to protect the absolute privacy, pacing, and integrity of your therapeutic journey. When a therapist contracts directly with a commercial insurance corporation, the insurance company gains the legal right to dictate your care. They frequently require diagnosing you through a restrictive lens of severe pathology or "functional defects" just to authorize a handful of sessions. They can audit your private therapy notes, limit how often we are allowed to meet, and use automated algorithms to decide when you are "done" healing—completely ignoring your actual nervous system capacity.

By remaining out-of-network, our work answers entirely to you. Your pacing, session frequency, and clinical goals are decided collaboratively in our room, completely insulated from corporate intrusion.

(Note: If your commercial PPO plan includes out-of-network benefits, we partner with Thrizer to help you seamlessly access your reimbursements. See how this works below!)

Many commercial PPO insurance plans offer out-of-network benefits that reimburse a significant percentage of mental health services (frequently between 50% and 80% of the session cost).

To utilize these benefits, you can choose one of two paths in our practice:

1. The Thrizer Way (Highly Recommended): We partner directly with Thrizer to handle all out-of-network logistics for you. Depending on your specific plan's coverage, Thrizer can often calculate your reimbursement instantly. Instead of paying the full fee upfront and waiting months for a check, you may have the option to only pay your co-insurance responsibility at the time of your session, while Thrizer covers the rest and manages the claim in the background on your behalf.

2. The Traditional Superbill Way: If you prefer, we can provide you with a monthly, itemized clinical receipt called a Superbill. You can submit this document directly to your insurance company via their online member portal, and they will mail a reimbursement check directly to you according to your plan's out-of-network terms.

Collaborative, honest, and straightforward. We're here to guide the process, bring ideas to the table, and keep things moving.We are deeply dedicated to accessible care across the lifespan and intentionally maintain a specific, limited number of slots for traditional Medicare beneficiaries within our community cohort. Because these slots are limited to ensure every client receives our full, unhurried focus, availability changes dynamically. Please reach out to us directly via phone, text, or our contact form to check the current availability of our Medicare cohort openings.

Please note: Our practice is only able to accept traditional Medicare, and we cannot accept Medicare Advantage or managed care replacement plans. We highly recommend verifying that your secondary or supplemental policy coordinates seamlessly with independent mental health providers before our initial call.

If you want to verify your benefits over the phone with a customer service representative, we recommend calling the mental health or behavioral health number on the back of your insurance card and asking these exact questions:

• "Does my plan include out-of-network benefits for outpatient mental health services?"

• "Do I have a deductible for out-of-network mental health services, and if so, have I met it yet?"

• "What is my reimbursement rate or 'allowed amount' for the billing code 90791 (Initial Intake) and 90837 (55-minute Individual Session)?"

• "How do I submit a monthly Superbill for reimbursement, and how long does processing typically take?"

Yes, absolutely. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) recognize independent psychotherapy and clinical intake assessments as fully qualifying medical expenses. You can securely input your HSA or FSA card directly into our secure billing portal during your onboarding paperwork, and it will be utilized automatically for your session fees just like a standard credit card.

To remove the financial guesswork before we ever speak, we have embedded an interactive, secure Thrizer Cost Calculator Widget immediately below this box

Simply input your insurance provider, your specific plan's member ID details, and select the sessions you are interested in. The widget will securely communicate with your insurance provider in real-time to show you your exact out-of-network deductible status, your reimbursement rate, and your estimated out-of-pocket co-insurance cost per session. Running your information through the widget is completely secure, completely confidential, and will not impact your premium or coverage.