Your Well-Being is Worth the Investment.
I believe that your mental health is a priority. I offer a variety of payment options to ensure our services are accessible, and I am committed to full transparency regarding fees.
For Clients Using Their Insurance Plan
I am an in- network provider with the insurance plans listed below. This typically means a lower out-of-pocket cost for you, often limited to a copay or a coinsurance after meeting your deductible.
I currently accept the following insurance plans:
Blue Cross Blue Shield
Aetna
Cigna and Evernorth
OPTUM
United Health Care: UMR
United Medical Resources: UMR
Harvard Pilgrim
Mass General Brigham Health Plan
Ready to get started? I can help verify your benefits before your first appointment to avoid any surprises.
Please note: Even with in-network insurance, you are responsible for any costs required by your plan.
Understanding Your Insurance Coverage
Before your first session, I recommend contacting your insurance provider to understand your specific mental health benefits. This will help you understand your financial responsibilities upfront.
Important Questions to Ask Your Insurer:
Do I have a mental health benefit?
What is my deductible, and has it been met?
How many therapy sessions does my plan cover?
What is my copay or co-insurance per therapy session?
Do I need a referral from my primary care physician?
Don’t see your plan listed? You may still be able to use out-of-network benefits, or you can explore private pay options. Learn more below, or reach out to learn more about your payment options.
Using your Insurance Benefits
Using your Out of Network Benefits
For Clients Using Their Out of Network Insurance Benefits
If your insurance plan is not listed above, you may still be able to get partial reimbursement for your therapy sessions through your out-of-network benefits. This process can seem complex, but I provide you with everything you need.
How out-of-network reimbursement works:
You pay upfront: You will pay the session fee directly to KM Behavioral Health Services LLC at the time of your appointment.
I provide a superbill: A “superbill,” is a specialized receipt that contains all the information your insurance company needs for reimbursement.
You submit for reimbursement: You will submit the superbill directly to your insurance company. They will reimburse you based on your plan’s terms.
Unsure about your out-of-network benefits?
Follow this guide to help you understand your financial responsibilities upfront:
Do I have out-of-network mental health coverage?
What percentage of the session fee will be reimbursed?
Is there an out-of-network deductible I need to meet first?
How do I submit a superbill for reimbursement?
How long does reimbursement usually take?
Private Pay (Self-Pay)
Why Choose Private Pay for Your Therapy?
Many clients choose to pay for their therapy directly, without involving their insurance provider. This option provides the most flexibility and privacy, allowing you and your therapist to focus solely on your therapeutic goals.
If you’re paying out-of-pocket, I want to make your costs clear from the start. I can provide a good faith estimate of your session fees before your first appointment so you know what to expect.
Key Benefits of Private Pay:
Maximum Privacy and Confidentiality: Your treatment information, including your diagnosis, is not shared with an insurance company. This provides an additional layer of security for your personal health information.
Control Over Your Care: You and your therapist, not your insurance company, decide on your treatment plan. This means more freedom in choosing the frequency, length, and type of therapy that is best for you, without outside limitations.
No Formal Diagnosis Required: Insurance companies typically require a mental health diagnosis to authorize coverage. With private pay, you can seek support for personal growth, stress management, or life transitions without a formal diagnosis being a permanent part of your medical record.
I believe in being transparent from the start so there are no surprises.
Service and Private Pay Rate
Initial Assessment (60 mins) - $160
Individual Session (50 mins) - $160
Note: For clients using insurance, your fee will be determined by your specific plan's deductible, copay, and/or co-insurance.
Payment Processing:
Payment is collected automatically via credit or debit card after each session. HSA/FSA cards can also be used, and an invoice is provided for your records.
Missed or Late-Cancelled Appointments:
I understand that schedules change. To make sure everyone has access to care, I request 24 hours’ notice for cancellations. Missed or late-canceled appointments may incur a fee of $75.
Fee Structure
Transparent and Accessible Pricing
Let’s connect
Still Have Questions? I’m Here to Help.
Choosing a therapist is an important decision, and I want you to feel confident and informed. If you have any questions about fees, payment options, or anything else, please don't hesitate to reach out.
Frequently Asked Questions
About Therapy Costs & Insurance
Q1: Do you accept insurance for therapy?
A: Yes, I am in-network with several insurance providers. Using your insurance may lower your out-of-pocket costs. I also provide superbills if you have out-of-network benefits and I’m not connected to your plan.
Q2: How much does therapy cost if I pay privately?
A: Private pay rates are transparent and listed above. Many clients choose this option for flexibility, privacy, and control over their care.
Q3: Do I need a diagnosis to use insurance?
A: Yes, insurance companies typically require a mental health diagnosis to cover services. With private pay, no formal diagnosis is required.
Q4: What forms of payment do you accept?
A: We accept major credit cards, HSA/FSA cards, and insurance payments.
Q5: What if my insurance plan isn’t in-network?
A: You may have out-of-network benefits that provide partial reimbursement. I can supply a superbill for you to submit to your insurance provider.