Rates and Insurance

My psychotherapy rates are as follows:

• $250 for a 55-60-minute initial intake

• $165 for follow up 55-60-minute sessions

For self-pay clients, all fees are due at the time of our appointment. I accept credit or debit card payments, as well as FSA and HSA cards. I can provide Superbills to help with reimbursement.

To increase the affordability and accessibility of my services, I reserve a limited number of spots for patients who would benefit from paying a reduced fee. If my fees are a barrier to working together, please inquire about sliding scale options.

I am currently able to bill Moda insurance. If you use a different insurance, you may be able to receive reimbursement using your out-of-network benefits. Either way, here are my recommended steps:

If you have Moda, you’ll want to verify I am in-network by checking your insurance portal, calling your insurance carrier, or searching online using the Moda directory. I may not be in-network with your specific plan even if we’re in-network with your carrier, so this is important to check.

Once that is confirmed, call the customer service number on the back of your insurance card to gather more information. Here are some questions you might ask:

• Do I have mental health benefits?

• Is Sarah Bond, PsyD in network with my plan? (just to double-check)

• When do my benefits start and renew?

• What is my copay or coinsurance for outpatient/office mental health visits?

• Are telehealth sessions covered? What is the copay or coinsurance for telehealth?

• Are walking therapy sessions covered? What is the copay or coinsurance for walking sessions?

• Do I have a deductible I have to meet? How much of my deductible has been met this year?

• Do I have HRA/HSA dollars to use toward the deductible and out-of-pocket expenses?

• Do I have unlimited therapy sessions or am I limited to a certain number?

• Do I need any pre-authorization for therapy?

If you like the thought of working together but you are using another insurance carrier, you may still have out-of-network benefits- this means that you may be eligible to receive reimbursement for our sessions together. If you have out-of-network benefits, I will provide you with a Superbill you can submit to your insurance company for reimbursement. You would be responsible for the full fee at time of service. You can call the customer service number on the back of your card, and ask the following questions:

• Do I have out-of-network benefits for mental health?

• What is my out-of-network deductible for outpatient mental health visits?

• How much of my deductible has been met this year?

• What is my out-of-network coinsurance for outpatient/office mental health visits?

• Do I have HRA/HSA dollars to use toward the deductible and out-of-pocket expenses?

• Do I need a referral from an in-network provider or a primary care physician to see someone out-of-network?

• How do I submit a Superbill? What details should be included on the Superbill?

• The provider I want to see is a licensed psychologist. What can I expect as a reimbursement rate for a 45-minute appointment? For a 60-minute appointment?

• Is it the same reimbursement for telehealth and in-person?

A note on self-pay vs. insurance:

While using insurance may make treatment more affordable, there are associated privacy, confidentiality, and treatment limitations. For instance, insurance companies may ask for information about a patient’s mental health diagnosis, symptoms, treatment, and goals. Insurance companies require psychotherapy treatment to be medically necessary and can deny frequency of treatment or determine that sessions are no longer needed despite your wishes and my advocacy. By self-paying for sessions rather than using insurance, you have increased privacy and greater autonomy over the way you wish to engage in treatment. For instance, some people find that participating in long-term therapy or more frequent sessions increases the richness of the therapeutic work.

The No Surprises Act of 2022 offers protections from surprise billing. You can learn more about policies, resources, and resolving disputes here or by visiting https://www.cms.gov/nosurprises .