I charge $250 for a 50-minute psychotherapy session. Many of my clients have the resources to pay “out of pocket” and prefer not to use their health insurance to help pay for treatment.
Others, who opt to use their health insurance, the amount of coverage and remaining client responsibility is highly variable. I commonly am seeing roughly 80%-90% coverage by insurance were I am an in-network provider and as low as 60% coverage where I am an out-of network provider – with patients (and/or their secondary insurance in the case of some patients with Medicare) being responsible for the remaining portion (co-payments typically falling anywhere in the $20-$50/ session range).
For patients interested in using their insurance, we can discuss the details in the initial phone call / screening. For those patients who can provide their plan information, I will work to confirm the expected amount of insurance coverage and patient responsibility ahead of that first in-person appointment.
- For Insurance companies I am an ‘in-network’ provider: Medicare, Cigna, and a growing list of others (contact me for the latest)
- I bill the insurance company directly.
- Co-payment, is due at the time of service.
- Annual deductibles (if not met) may result in clients being responsible for my full fee until their annual deductible is met.
- For insurance companies I am an ‘out-of-network’ provider.
- Some of those providers / plans offer payment for ‘out-of-network’ services. In those cases, billing procedures are the same as those listed above for ‘in-network’ providers (but the client responsibility may be larger, or there may be a more significant annual deductible).
- For plans that do not provide payment for ‘out-of-network’ providers. We can review options for your provider/plan. Some providers/plans will offer a “single case authorization” which would enable my billing your insurance directly for a pre-approved amount of time (determined by the insurance company). For those patients, same procedures apply as above. For those that will not offer such authorization, patients are encouraged to review my suggestions for individuals whom my fee is too expensive (see below).
All payments (patient covered, or insurance co-payments) are due at the time of service, and can be settled via check, cash (exact change), or credit or debit card (Visa, Mastercard, Discover), including Health Savings Account and Flexible Spending Account cards.
If the Fee is Too Expensive
Dr. Curci offers a limited number of reduced-fee slots. Discuss your interest before the first session, to determine what is possible. If reduced fee slots are still too expensive, several options are available, including: fewer sessions per month or a referral to another practitioner. If reduced fee slots are not available, you may choose to be put on a wait-list until a reduced-fee slot becomes available. If a reduced fee is agreed upon, it will be adjusted upwards if your financial situation improves