Insurance & affordability at PsyDuluth
You might be wondering how much your care will cost. If so, you are in the right place: the fees are published, you are entitled to a Good Faith Estimate before care begins, and I help work out the insurance numbers in the free call.
2008
In clinical practice since
10 years
On an inpatient rehabilitation team
15 minutes
A free first call
3 days
Typical reply, or less
Fees
Every fee, published
Due to lower overhead costs and administrative fees, I am able to pass savings on to you, with service fees that can be lower than your total deductible elsewhere.
Free
$325
$250
Payment by the card on file in the secure electronic health record, processed by a third-party agency. HSA and FSA cards accepted.
Please give 24 hours’ notice to cancel or reschedule; late cancellations and missed appointments may be charged 50% of the session fee, unless there are extenuating circumstances.
Benefits of private pay
What paying directly gives you
Choosing to pay privately means you pay the full fee directly without involving your insurance. There are substantial benefits to getting your care through private practice.
No diagnosis
A formal diagnosis is not required in order to receive the care you need.
More privacy
My office and systems are low profile compared to insurance-run networks.
Longer sessions
Insurance companies don’t dictate session length here.
More services
Private practice allows you to use all the tools available, not just the approved ones.
Can you afford private pay?
The question is what you pay in total
Good Faith Estimate
Your total investment, in writing
When privately paying, you are entitled to a Good Faith Estimate at the start of your care with me, per the No Surprises Act. It helps give you an honest understanding of what your total investment will be.
Will my insurance cover care at PsyDuluth?
Sometimes, as an out-of-network benefit. You pay directly and I provide a superbill you can submit to your insurer for possible reimbursement. Reimbursement depends on your plan, and most insurers require a mental health diagnosis for it. I commonly help interpret insurance cost estimates in the free 15-minute consult.
What is a superbill?
An itemized receipt with the details insurers need for an out-of-network claim. I provide it after you pay; you submit it to your insurer, and any reimbursement depends on your plan.
What is a Good Faith Estimate?
A written estimate of what your care is expected to cost. When privately paying, you are entitled to one at the start of care, under the No Surprises Act. It gives you an honest understanding of your total investment.
Why can private pay cost the same or less?
Due to lower overhead and administrative costs, I can pass savings on to you, and fees can be lower than your total deductible elsewhere. Even if your insurance does not cover care here, it may cost the same or less in the end; the free call is where we work out the numbers.
How do I pay?
Through the valid card on file in the secure electronic health record, processed by a third-party agency. Health Savings Accounts and Flexible Spending Accounts can be used. Everything about fees, bills and payments is in the Financial Agreement.
Work out the numbers
Let’s work out the numbers together.
Even if your insurance does not cover care with PsyDuluth, it may cost you the same or less in the end. Request your free 15-minute consult and I’ll help you figure it out.
A free 15-minute phone call, no commitment
Private pay and your insurance options, side by side
Your Good Faith Estimate before any care begins