Dana R. Falk, Ph.D.
Licensed Psychologist

Experienced psychotherapy for adults
Clinical supervision of mental health providers


danafalk@icloud.com         

 
 

FAQ about Treatment Cost

What forms of payment are possible?


Online, before session:  Take care of an upcoming session via Paypal.
Send from your Paypal account to
danafalk@icloud.com.


In person, at session:  Cash, personal check or card swipe by Square. Checks are my favorite method. Please fill them in before arriving, so our full time can be devoted to therapy.

By Square, after session: The credit, debit or HSA card you noted on your original paperwork will be processed after our appointment.



Do you accept health insurance?

Yes, I’m an in-network provider with Premera Blue Cross.

We can still work together if you have different insurance, no health insurance or if you choose not to use your insurance for psychotherapy.

>>> 
Let’s say you and I are “in network.”

I file claims on your behalf directly. You’ll have a small share to pay at each session (if anything.) The amount depends upon how fully your policy covers therapy and whether there’s a deductible for you to satisfy before reimbursement kicks-in.
A bright spot: Some plans have a deductible, but it does not apply to mental health visits. This means they would begin paying for your therapy right away.

* IMPORTANT *  Premera has a few insurance plans on which mental health claims are sent out-of-network. This means there’s a small chance that we’d both be with Premera, but I’m out-of-network for you. (For example, some staff of Swedish Hospital have this type of plan.)

<<  To check on this:  >>  Read the back side of your Premera card.

If there’s a statement like
“Mental Health Providers: Submit claims to _______” (Providence, Optum, Health First, Valu-Options, First Choice Health, etc.) I’d be out-of-network for you. We could still do therapy but it would cost somewhat more out-of-pocket. If there’s no statement like this on the back side of your Premera card, I’m likely in-network.


A similar issue can arise if your Premera policy isn’t “Blue Cross of WA,” but rather it’s Blue Cross of MA, CA, AK, GA...ask me more if being in-network is important to you. You can even send me photos of your card!


How much might I expect to pay out-of-pocket if I’d like to utilize my insurance, but you’re not on their list of in-network providers?

This varies by your insurance plan. The swankier your policy, the higher the % they reimburse you when you see an out-of- network provider.


In rough terms, you might expect them to cover 50%-70% of your treatment costs if you see someone out-of-network, instead of the 70%-90% they’d cover if you chose someone in-network. For example, you might pay $20-$40 to see a therapist on their list vs. $60-$100 to see a therapist who is out- of-network.

For a personalized answer, call the customer service  number on your insurance card.

Ask about their coverage when you see “...
a Ph.D. Psychologist who is out-of-network, outpatient, non-facility for procedure code 90837....”

They’ll tell you (a) what their “allowable amount” is in the above situation and (b) what percentage of this they will reimburse you.


Let’s say your insurance policy’s “allowable amount” is $135 and they’d reimburse you 60% of this when out of network. You’d get a check for 60% of $135 = $81 per session (after sending the receipt.) Thus, if you had paid your therapist $160 - $81 received from insurance = $79 out-of-pocket per session. The particulars vary widely -- just an example.

I will provide a Record of Services Provided (a detailed receipt with insurance codes). You’ll probably want this if you can claim a tax deduction for unreimbursed medical expenses or if your employer offers a flex spending/health savings account.


What if I don’t have health insurance right now -- or if I do have it, but don’t want them to have record of my therapy?

That’s totally up to you. You may pay out-of-pocket if you prefer your insurance company not have knowledge of your diagnosis (which they do require if we file a claim with them.) If you choose to do this, simply refer to the list of services, above left, for the cost without insurance involved. This is called fee-for-service; it’s relatively common.



How will the privacy of my payment record be protected?

Because clients never carry a balance, there’s no need for “billing” in the traditional sense. This keeps records more secure; clients are never mailed anything. You may also elect not to receive a written Record of Services Provided, so there’d be no paper you’re carrying around.


Why does the Initial Evaluation session cost more than the regular weekly sessions do?

Initial sessions with a psychiatrist or psychologist cost more because quite a bit of work goes into the evaluation outside of the actual session. I’ll be writing an assessment of all the issues we cover in that first session. It’s important for several reasons: (1) it helps me formulate what therapeutic approach will be most useful for you; (2) it enables me to fully recall the details of your story; (3) should you see a different healthcare provider, this report facilitates your care. I’ll also be working on establishing your place with my practice.



If insurance will only pay for a first session that’s 55 minutes, why would I schedule an 80 minute session?


A lot of productive stuff happens in that first session; it can be frustrating to stop at one hour.

Some people think of the Initial Evaluation as the client “filling in the therapist on their past,” but in my experience that’s really not the heart of it. Yes, your personal history will be part of the conversation, but things are discussed in a way that helps you understand how you’ve gotten where you are and crystallizes your present goals. The client is paying attention to whether they would like/trust the therapist enough to work with him or her and the therapist is listening not only for personality “fit” but for the core strengths and needs of this client (diagnosis), which informs the kind of treatment most likely to help.

People usually say they leave our first session feeling some combination of empowered, relieved, focused and hopeful. We can best accomplish this by giving your past, present and future all the attention they deserve.

During our phone consultation, let me know if you’re considering an
80-minute Initial Eval. If our schedules allow for it, we’ll discuss logistics.  


May I spread out my sessions to spread out my cost?

Yes, some people schedule therapy for every-other-week rather than every week. (In fact, often our schedules will only allow us that.) Also, some clients begin with weekly therapy, then reduce to bi-monthly when it feels right. When clients are almost done with therapy, they may schedule very occasional “booster sessions,” too.

That said, I rarely schedule *new* clients for sessions further apart than every-other-week. Occasionally, we cannot find a reliable day/time and would meet just as openings arise. “Cruising cancellations” in this way is not always a wise choice, though. At the time of our
Initial Phone Consultation, if I believe I have less reliable availability than is right for you, I’ll tell you honestly and refer you to another therapist.

 

             Services



Initial Evaluation 
(First session only) 

55 minutes   $ 220.
80 minutes   $ 330. 

[Insurance typically covers the first 55 minutes.]


Ongoing Therapy Sessions

For individuals:

50+ minutes  $ 180.
80 minutes    $ 270.

For couples:

50 minutes  $ 260.
80 minutes  $ 350.


              w    w


Clinical Supervision
of Mental Health Providers

Without review of your clinical work on audio/video 
prior to our consultations:

   55 minute supe  $ 180.


With review of your 
clinical work on audio/video 
prior to our consultations:

   55 minute supe  $ 330.

Most common is supervision of degreed professionals preparing for licensure; 
no review of clinical work would be necessary.