Payment Information

I am not currently accepting insurance. My practice is self-pay, which means that all sessions are paid for in full on the day of service and are payable by cash, check, or credit/debit (including Health Savings Account or Flexible Spending Account). ​

A note on why I don’t accept insurance:

I want to make decisions with clients about what this work looks like—the scope, the style, the timeline of the therapy—and I want to do this work in a sustainable way. If I am billing an insurance company, then I am asked to submit documentation to third parties who can dictate and limit the scope/style/timeline of the therapy and who may also require a certain diagnosis in order to reimburse for treatment. While therapy may seem expensive, it is an investment that will hopefully pay off in a healthier life, fewer problematic or costly behaviors, and a brighter future that is aligned with your personal values. Offering self-pay therapy services also allows me to work with clients who may not meet criteria for having a diagnosed mental health condition; clients might want to address things functionally instead of having services tied to a diagnosed condition.

Insurance Information

I am not an in-network insurance provider. While I do not accept insurance for payment, some people who work with me choose to use their health insurance “out-of-network” benefits to help cover the costs of therapy. This is when an insurance carrier reimburses you, the client, for a portion of the payments you have paid me for my services.

I highly recommend calling the number on the back of your insurance card and asking them about Out-of-network (OON) mental health benefits, as each company does things a little differently and some don’t offer this benefit at all. OON reimbursement is solely your responsibility and I do not guarantee any reimbursement nor deal directly with insurance companies.

If you are interested in finding out more, please call your health insurance provider to verify if you are entitled to OON benefits. Important questions to ask your health insurance provider: ​

• Do I have out-of-network benefits for mental health services provided by licensed clinicians (CPT codes: 90791 – psychiatric diagnostic evaluation, 90834 – psychotherapy 45 minutes, 90837 – psychotherapy 53+ minutes)?
• Do my out-of-network benefits cover telehealth-therapy?
• Is there a yearly deductible that needs to be met before I can start getting reimbursed? How much is it? Has it been met yet this year?
• What percentage of my payment per session will be reimbursed?
• How do I submit out-of-network benefits claims? ​

If you choose to use out-of-network benefits, I am glad to provide you with a receipt (“superbill”) for my services, which you can then submit to your health insurance company. Please note, that I cannot guarantee reimbursement from your insurance company.

Sliding Scale

I strive to keep the cost of my therapy services accessible to clients in a variety of financial circumstances. I do offer a sliding scale, which relies on honesty as well as respect for complexity. I do not ask for income verification—I trust my clients to tell the truth about their circumstances and needs.

Below are some considerations and questions you can ask yourself when determining what rate to exchange for professional therapy services. The model that follows is attributed to Resource Generation and Alexis Cunningfolk of Worts + Cunning apothecary.

You are encouraged to take both income and wealth into consideration. Income is the money you make (usually monthly) from a job, disability, social security, etc. Wealth is the personal property (homes, cars) + savings + income generating assets (real estate, investments) minus liabilities (debts, loans) within your network and/or family. Additionally, you are encouraged to consider your relative racial privilege and/or marginalization when setting your rate.

Ask yourself…

1. Are you and your family homeowners or landowners?
2. Have you attended private education institutions or do you have an advanced degree?
3. Are your bills or credit cards on autopay?
4. Have you not had difficulty accessing and affording healthcare or health insurance for you or your family members?
5. Do you have zero to no debt and/or do you have disposable income?
6. Do you have a safety net composed of “financially stable” or wealthy family and friends?
7. Do you have U.S. Citizenship?

If your answers were MOSTLY YES
You should consider the REDISTRIBUTION RATE ($160)
The Redistribution rate means a portion of what you pay me helps others who have had structural disadvantages and less access to wealth.

If your answers were SOME YES, SOME NO
You should consider the standard FULL RATE ($140)

If your answers were MOSTLY NO
You should consider the SOLIDARITY RATE ($40-120)
This rate is an attempt to be in solidarity with individuals who are surviving. I recognize that in some cases this rate may still not be accessible, and I encourage anyone to get in touch if that is the case.

Good Faith Estimate

A “Good Faith Estimate” explains how much your medical healthcare will cost so there are no surprises.

The Public Health Service Act (“No Surprises Act”) was enacted January 1, 2022. Under this law, healthcare providers and facilities are required to inform individuals who do not have insurance or who are not using insurance of a “Good Faith Estimate” of expected charges. This law is meant to protect consumers from unexpected medical costs. Since my rates are transparent, please know that clients can always multiply the cost per session by the number of sessions to estimate the total cost of therapy. Clients also have the right to terminate therapy at any time.

• You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency services.
• Make sure your healthcare provider gives you a Good Faith Estimate in writing at least one day before your service.
• If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
• Make sure to save a copy of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises

Learn about the
three different therapy
settings I offer:

In person in St. Paul, Minnesota.

Office

Online using a secure platform.

Virtual

Partnering with nature.

Outside