Ack! Everyone hates talking about fees!
Let's face it, seeing a therapist and being able to afford it are two things which often don't go well together. When people call me, their biggest concern revolves around how to afford the help and direction they are looking for.
Here are the answers to the most frequently asked questions about money:
What do your services cost?
My fee is $150.00 for a 60-minute session. Sessions can be in the office or telephonic for residents within Pennsylvania.
What am I getting for your fee?
Over the years, only one potential client has asked me this question. I wish more would because it is important for you to know what you are getting in the services you are paying for.
- A graduate degree.
- A license with the "PA State Board of Social Workers, Marriage and Family Therapists and Professional Counselors". This license has to be renewed every two years and comes with a host of requirements including strict guidelines regarding confidentiality and ethical conduct. Both of these are to protect you and our work together.
- Almost 20 years of experience honing the skills necessary to help clients make long-lasting and sustainable changes.
- Certifications in ways of working that have proven to be effective.
- Ongoing research and training to stay on top of what is current but, also proven to work.
- Experience that has spans across client ages from children to mature adults.
Do you take insurance?
I provide superbills you can give to your insurance for reimbursement at the rate they decide. There are specific reasons why I don't take insurance and would be happy to share these reasons with you when we speak.
If you don't take insurance, how can I use my insurance to help pay for your services?
A way to use my services through insurance is by using your "out of network provider" benefit.
Before deciding the "out of network provider" route is the one you want to take, I would recommend you call your insurance company and ask the following questions:
- Do you have an HSA ("health spending account") or an FSA ("flexible spending account") and can it be used for behavioral health services?
- Do you have a deductible? If "yes", what is it and how much of the amount is remaining for this fiscal year before you can be reimbursed? Deductible amounts need to be satisfied first before the insurance company will consider any reimbursements for behavioral health services.
- Do they provide out of network provider reimbursements? This means you would pay the full fee and I will give you a superbill which you would submit to your insurance to be reimbursed directly to you at whatever rate they decide.
How can I pay?
All fees are due at the beginning of sessions or anytime before your sessions. Payments can be made using exact cash, cheque, or credit card.
Can a loved one pay for my sessions?
Absolutely! There is one small step before we can do this but, it's easy and we can discuss it when we speak.
What if I can't afford you?
Unlike physical pain and discomfort, we may not consider seeing a therapist as urgent or necessary because the need for help isn't as obvious. However, the cost of not sleeping well, not being able to concentrate, feeling lonely despite being with your loved one, and the physical impact stemming from psychological distress is too high a price to pay.
The price of being disconnected from who you are because you are trying to please everyone else has an even higher cost attached to it.
It may be worthwhile to consider addressing internal challenges like you would a broken bone that prevents you from moving with freedom and ease.
In the end, "$10 is too much for bad therapy."
All of that being said, I understand you may be committed and willing to seek out therapy but, affordability is genuinely a factor.
Please know I am happy to email/phone chat with you offer you alternatives to therapists/agencies that offer support and will be a better fit for your budget.
The ultimate goal here is not that I am your therapist.