Insurance and Fees
My fee schedule is detailed in the Psychologist-Patient Service Agreement, one of the forms in the New Patient Packet. Please read all of the intake forms and feel free to ask me questions about them.
Presently, my clinical fees are $200 for the initial consultation session (CPT 90791) and $180 for subsequent individual or couples therapy sessions (CPT 90834 and 90847, respectively). Please note that when I perform evaluations and other consultative services on behalf of a third party (such as a licensing board, professional society, organization, attorney, etc), my fees are different from the clinical fees listed here.
If it is necessary to cancel your appointment, please do so at least 48 hours prior to the date of the scheduled appointment. Failure to cancel your appointment with sufficient notice will result in a late-cancellation/no-show fee. You will be responsible for the full clinical fee – not a reduced fee or copayment amount – and you will not be able to seek reimbursement for that late-cancellation/no-show fee by your insurance company.
In-Network Insurance Coverage
Currently the only insurance companies I have agreed to participate with as an in-network provider are Johns Hopkins EHP and Medicare. If you intend to seek partial reimbursement from an insurance company other than EHP or Medicare, please read the section below.
Questions about Out-of-Network Coverage for Your Insurance Company
You will want to call your insurance company if you intend to use your health insurance to cover my fees. If you have insurance coverage other than EHP or Medicare, you will need to inquire about your out-of-network benefits; in such cases, I am happy to provide you a detailed receipt with all the information needed so you can submit the expense to other insurance companies yourself and receive reimbursement according to your insurance coverage. When you call your insurance company, be sure to ask the following questions:
- What are the “reasonable and customary” amounts covered for the initial intake session (CPT code 90791) and for subsequent therapy sessions (CPT code 90834 for individual therapy, or 90847 for couples therapy) provided by a psychologist in Baltimore County?
- If you are seeking couples or marital therapy, ask if your insurance company covers this as a benefit; many health insurance companies deem couples therapy to not be “medically necessary.”
- Is pre-certification or pre-authorization required? If so, ask for (and write down) the authorization number or code.
- Do you have a deductible you need to meet before your insurance starts to cover payment? If so, how much of the deductible do you still have to meet for this calendar year?
- Does an MD-UTP (Maryland Uniform Treatment Plan) form need to be completed for out-of-network treatment?
- Is there a maximum number of sessions per calendar year, and is there a lifetime maximum number of sessions? If so, how many of these sessions have been used?
I have heard about services that will process the receipt I give you (also referred to as a “superbill”) with your insurance company. I have no affiliation with these services, but have heard positive things about them, particularly for people who might not otherwise submit receipts for partial reimbursement. One service, Better.co, has an easy to use app and will process the receipt for a fee or 10% of what they are able to collect on your behalf.