Financial Investment

Remaining out of network allows me to focus on what matters most: providing individualized care.

Without insurance restrictions, I am able to:

• Tailor every neuropsychological evaluation to the individual's unique referral questions and needs.
• Spend the time necessary to conduct comprehensive evaluations and prepare detailed reports.
• Individualize therapy based on clinical need rather than insurance-authorized treatment plans.
• Collaborate with parents, schools, physicians, and other professionals when clinically appropriate.
• Make recommendations based solely on what is in the client's best interest.

This model allows me to prioritize thoughtful, personalized care over productivity requirements or insurance limitations.

If you have a Preferred Provider Organization (PPO) insurance plan, you may be eligible for reimbursement for out-of-network psychological services.

While I do not bill insurance companies directly, I am happy to provide a detailed superbill that includes the information many insurance companies require for reimbursement.

Because every insurance plan is different, I encourage you to contact your insurance carrier directly to ask about:

• Out-of-network behavioral health benefits
• Out-of-network deductibles
• Coinsurance or reimbursement percentages
• Requirements for submitting claims
• Any limitations or exclusions that may apply

If you anticipate submitting claims, simply let me know and I will provide superbills through the secure client portal.

Payment is accepted through the secure client portal using:

• Credit cards
• Debit cards
• Health Savings Accounts (HSA)
• Flexible Spending Accounts (FSA), when applicable

Counseling session fees are due at the time of service.

Comprehensive neuropsychological evaluation fees are discussed during the consultation process and follow the payment schedule outlined in your Financial Agreement before services begin.

Every family has different priorities when selecting a psychologist. Many families appreciate that an out-of-network practice offers:

Individualized Care

Evaluations, treatment plans, and recommendations are tailored to each individual rather than designed to meet insurance reimbursement requirements.

Clinical Independence

Recommendations are based solely on professional judgment and the individual's needs—not insurance policies or preauthorization requirements.

Time

Without the constraints of insurance billing, I am able to devote substantial time to interviews, testing, report writing, consultation, collaboration, and thoughtful treatment planning.

Privacy

Choosing not to bill insurance allows your psychological information to remain between you and your treatment providers rather than routinely being shared with insurance companies for reimbursement purposes.

Specialized Expertise

Families are able to choose a provider whose expertise best matches their needs rather than being limited to an insurance network.

Under the No Surprises Act, individuals who are uninsured or who choose not to use insurance have the right to receive a Good Faith Estimate explaining the anticipated cost of services.

Before services begin, you will receive a Good Faith Estimate outlining the expected costs associated with your care.

Because the number of psychotherapy sessions needed varies from person to person, estimates for counseling services reflect anticipated services through the end of the current calendar year and are updated annually as required by law.

If you receive a bill that is at least $400 higher than your Good Faith Estimate, you have the right to dispute the bill.

For additional information regarding your rights under the No Surprises Act, please visit the Centers for Medicare & Medicaid Services website:
www.cms.gov/nosurprises or call 603-205-3721.

I understand that choosing counseling or a comprehensive neuropsychological evaluation is both a personal and financial decision.

Because every individual's needs are different, I discuss fees, payment policies, and the overall investment during the complimentary consultation. This allows us to first determine whether my services are the right fit for your needs and ensures you have the opportunity to ask questions before making any decisions.

My goal is for every family and individual to have a clear understanding of the services being provided, the financial investment involved, and what to expect throughout the process.

If you have questions about payment, out-of-network reimbursement, or superbills, I'm always happy to discuss them during our consultation.