Fees & Insurance
Fees
Individual Therapy
Intake Appointment (<75 min): $225
Psychotherapy (<50 min): $195
Health & Wellness (<30 min): $155
Forensic Assessment
Hourly rate: $225+
Contact for estimate
Corporate Consulting
Hourly rate: $250+
Contact for estimate
In- & Out-of-Network Insurance
EnCompass Psychological Services is currently credentialed as an “in-network” provider with Lyra (EAP) and most BCBS plans. Other EnCompass clients pay out of pocket. Many elect to use their “out-of-network” benefits to get substantially reimbursed for the cost of psychological assessment or therapy services. You can check with your insurance carrier to see whether mental health services provided by EnCompass Psychological Services are fully or partially covered as an “out-of-network” benefit. Be sure to ask if any pre-authorization paperwork is required. EnCompass will gladly provide receipts to you to submit to your insurance carrier for reimbursement.
You may also use Health Savings or Flexible Spending Accounts to pay for services. Additionally, the costs of receiving services from a psychologist are often tax deductible, depending on the specific services and jursidiction. By contrast, it is more unusual for services provided by other mental health professionals (e.g., Master’s level counselors) to be tax deductible. Check with a qualified tax accountant to assess your eligibility.
Please note that forensic assessments can NOT be billed to any health insurance carrier because they are considered legal—not healthcare—evaluations. In some cases, other funding mechanisms may be available (e.g., Court, State, employer).
Why not use insurance?
Many people choose NOT to go through health insurance for therapy even if they are eligible. Reasons for this decision may include:
Insurance carriers require members meet criteria for specific mental health diagnoses to be eligible for coverage.
Mental health diagnoses relayed to insurance carriers become “pre-existing conditions” in your medical record.
High co-pays or deductibles requiring thousands of dollars of incurred costs may be required before insurance benefits “kick in.”
Unexpected costs may occur when individuals anticipate their mental health services will be covered but do not ultimately qualify under strict insurance carrier policies for a variety of reasons (e.g., do not meet specific diagnostic criteria).
Loss of control over treatment, as many insurance carriers dictate the number of sessions for which a person is eligible and the specific providers who can be seen, even when these providers may not specialize in the condition(s) for which a person seeks treatment.
Privacy/confidentiality concerns due to sensitive information that must be relayed to the insurance carrier (e.g., name, diagnosis, social security number).
Long wait times to be seen by an “in-network” provider.
“Good Faith Estimate”
Under a new law, you have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under this law, health care providers must give patients who do not have, or choose not to use, insurance an estimate of the bill for medical items and services. You have the right to receive a Good Faith Estimate for the expected cost of non-emergency items services, including psychotherapy. You may ask your healthcare provider for a Good Faith Estimate before you schedule a service. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can appeal (dispute) the bill. For more information about a Good Faith Estimate, visit www.cms.gov/nosurprises