I recommend contacting your insurance company by phone; usually the number is located on the back of your insurance card. Ask a representative the following questions. It takes about 5 minutes to get this information.

1. Do I have out-of-network benefits for mental health or behavioral health services?

2. What is my yearly out-of-network deductible?

3. How much of my deductible has been met this year?

4. What is my co-insurance?

5. Do I have an out-of-pocket maximum?

Your deductible is the amount you will pay before your insurance begins to cover session costs.

Co-insurance is the proportion that you pay per session after your deductible has been met.

Your out-of-pocket maximum is the amount you pay in a year before insurance covers any remaining costs.

You and I will determine your fee during the consultation, keeping in mind your out-of-network coverage and other factors.