Fees & Payment

The full fee is currently $150 per session (effective 1/01/2022).  I also offer a reduced rate if finances are a barrier to receiving care. Contact me for more information.

I accept direct private pay from the client for services, or the client may opt to use their health insurance benefit (referred to as a third-party payer). I accept debit and credit cards (Visa, MasterCard, American Express, or Discover), including Health Savings Account (HSA) cards, as well as cash or check for payment. 

*Regardless of payment method, I will ask that a debit or credit card be saved on file.

PRIVATE PAY

There are some advantages to not using insurance, mainly regarding confidentiality and privacy. Although I make every effort to protect your confidentiality, your insurance carrier is entitled to certain information about your therapy.

Insurance companies and employee assistance programs (EAPs) often require that you receive a mental health diagnosis to access benefits. This mental health diagnosis becomes part of your permanent medical record. I will inform and discuss with you any relevant diagnosis. It’s also important to know that not all diagnoses are covered for treatment under some policies. 

Additionally, insurance typically limits coverage to only services provided in the therapist’s office or via teletherapy.  Services provided in alternate locations (i.e. in the client’s home, in the community) are not usually covered.

Please consider this information when determining whether private pay or filing with your insurance is the desired option for you. 

GOOD FAITH ESTIMATE

Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges.

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

• You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
• Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or 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 or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises

INSURANCE

As of July 1, 2023, I am only accepting new clients as an Out of Network Provider.

OUT OF NETWORK THROUGH Tara Bohley, LMFT, PLLC:

Tara Bohley, LMFT, PLLC is an out of network provider, which means Tara Bohley, LMFT, PLLC does not participate in managed care insurance panels. Most insurance companies accept and reimburse for my services based on your out of network benefits.  Since payment is due at the time of service, I will provide a monthly statement for you to submit to your insurance company for reimbursement.  This statement will be emailed to your through my HIPAA compliant documentation program, SimplePractice.  

Many plans will reimburse between 30-90% of costs after meeting a deductible, although plans vary, and I cannot guarantee how much they will reimburse for you.  Please check with your insurance company prior to scheduling. Below are some important questions to ask:

• What are my mental health benefits?
• What is the coverage amount per therapy session?
• How much does my insurance pay for an out-of-network provider?
• What is my out-of-network deductible amount?
• Does my plan cover marriage and/or family therapy (CPT codes=90847 and 90846)?
• How many therapy sessions does my plan cover?
• Is approval required from my primary care physician?