Session pricing
Standard session rates are below. I accept private pay only — see the insurance section for how out-of-network reimbursement works.
I do not accept insurance and am not in-network with any plan. I do not bill insurers directly — all sessions are private pay, and you are responsible for the full session fee.
If your plan includes out-of-network (OON) mental health benefits, you may be able to request partial reimbursement for sessions you have already paid for. Every plan is different — coverage, deductibles, session limits, and reimbursement rates all vary — so please contact your insurance company before your first session.
How a superbill works
A superbill is not a bill. It is an itemized receipt for sessions you have already paid for, formatted the way insurers need it, that you submit yourself to ask for money back.
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Use the member number on the back of your card. What you learn here tells you whether pursuing reimbursement is worth it at all.
- Do I have out-of-network outpatient mental health benefits?
- What is my out-of-network deductible, and how much have I met?
- What percentage of the fee do you reimburse once it is met?
- Is there a limit on sessions per year, or a pre-authorization requirement?
- How do I submit claims, and what is the filing deadline?
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Every session is private pay. You are charged the full session fee on the day of service through my secure client portal — there is nothing left to settle afterward.
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I prepare it after payment and send it through the portal. Everything your insurer asks for is already on it:
- Dates of service
- each session listed separately
- Service code
- the CPT code for your session type
- Diagnosis code
- the ICD-10 code most plans require
- Amounts
- fee charged and what you paid
- Provider
- my name, credential, and license number
- Practice
- NPI, address, and tax ID
On every superbill -
Submit it the way your insurer described in step 1 — usually by uploading it in the member portal or app, sometimes by mail.
- Attach their out-of-network claim form if they require one
- Keep a copy of everything you send
- Submit before your plan's filing deadline
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Your plan sends you an Explanation of Benefits showing what it applied to your deductible and what it paid back.
- The money goes to you, never through me
- Most plans reimburse only after the out-of-network deductible is met
- Amounts and processing times vary by plan
Worth knowing: reimbursement is an agreement between you and your insurer. I cannot guarantee an amount or a timeline, and I do not submit or appeal claims on your behalf.
You have the right to receive a Good Faith Estimate explaining how much your care will cost. Under the federal No Surprises Act, health care providers must give patients who don't have insurance, or who are not using insurance, an estimate of expected charges for non-emergency services. An estimate is not a bill and not a contract — it is a written summary of what care is expected to cost, so the money side is clear before anything begins.
Because this practice does not bill insurance, that right applies to every client here. For ongoing care like therapy, an estimate reflects an expected number of sessions rather than an exact count, and you can ask for an updated one whenever the plan of care changes.
- You can ask any provider for an estimate before you schedule.
- You should receive it in writing at least one business day before your appointment.
- If you receive a bill at least $400 above the estimate, you can dispute it within 120 days.
- Keep a copy or a photo of your estimate.
For questions or more information about your right to a Good Faith Estimate, visit cms.gov/nosurprises, or contact diana@apapachocounseling.com.