Out of Network Insurance

I participate as an Out-of-Network provider only. Many insurance plans allow you to select an out-of-network provider and therefore you may be eligible for reimbursement. I provide a monthly invoice which can be submitted to your insurance company for direct reimbursement to you.  Payment is due by cash, check, or credit card at the time of each session.

You will need to call your insurance company to find out if they have out-of-network benefits and if they do, you will need to find out the percentage they cover for the CPT codes you use. 60 minute sessions are CPT code 90837. Please note, if your insurance carrier says 59%, that’s not 50% of my fee —It is 50% of their allowable for the service. So you will need to ask your insurance what they allow on CPT code 90837. 

It is HIGHLY recommended that you obtain information about your insurance coverage before your first appointment. That will help you make a sound fiscal decision about your ability to cover costs to work with me. Payment in full is required at the time of service.

I am an “Out-Of-Network Provider” with most insurance companies. Most carriers offer “Out-Of-Network” benefits for treatment for licensed mental health providers.  I am licensed in the State of California by the Board of Behavioral Sciences as a IMFT: Independent Marriage and Family Therapist.

My license number is: LMFT 92566

While I do not file your insurance claims I am happy to assist your filing insurance claims.  I will do this by providing you with a payment receipt that contains all the information you need to submit a claim to your insurance company.  Please keep in mind that your health insurance is a contract between you, your employer, and your insurance company.  I am not a party to that contract and therefore I am not responsible for the disposition of any insurance claims.  

Information about insurance coverage can be obtained by calling the customer service number on your insurance card.   When you are connected with a service representative ask to speak with someone who can answer questions about mental health/behavioral health benefits.  I suggest that you take verbatim notes regarding who you speak to and what they tell you.  Keep this information in case actual claim payments differ from what they told you.  It also helps to share the information with me when we meet so I know any restrictions of your policy and can try to stay in their guidelines.  I have created a worksheet you can fill out to help direct your questions during a call with your insurance, feel free to download the worksheet using the button below.