Insurance & Fees

Out of Network

I do not participate in insurance networks at this time, and instead use a fee for service model. Payment is requested at the time of service. Many health plans have out of network benefits that may allow you to submit receipts for reimbursement. You may also be able to pay for services using a Flexible Spending Account (FSA) or Health Savings Account (HSA). A receipt with appropriate billing codes (e.g., a Superbill) can be provided so that you can seek reimbursement from your insurance company. . For ongoing therapy clients, a Superbill can be provided once per month. 

Most PPO plans will reimburse 50-80% of the cost of out-of-network services once you have met your deductible.

To find out about your out of network benefits, call the number on the back of your insurance card, and ask the following questions:

  • Do I have out-of-network benefits for outpatient mental health?

  • What is my out-of-network deductible for outpatient mental health visits? Has any amount of my deductible been met this year? Your deductible is the amount that you have to pay out of pocket before your insurance begins to pay.

  • What is my out-of-network coinsurance for outpatient mental health? Co-insurance is the amount that you pay out of pocket, per service, after your deductible has been met.

  • Do I need a referral from an in-network provider or primary care physician to see someone out-of-network?

  • What is the rate covered by my insurance for these CPT codes? 90791 (new patient evaluation), 90834 (45 minute psychotherapy), 90837 (60 minute psychotherapy), 90847 (family therapy with patient), 90846 (family therapy without patient), 96130 and 96131 (psychological assessment)

  • Do I have coverage for tele-health visits?

  • How do I submit claims for out-of-network reimbursements?

If there are no in-network providers available to treat your child (for example, if no in-network providers will treat a child under 5 years old), some insurance plans may allow you to get reimbursement for seeing an out-of-network provider, even if your plan does not have out-of-network benefits. Please call your insurance company to ask about this possibility. 

Need help filing out-of-network claims with your insurance company?

For a small fee, or even free of cost, companies like Mentaya, Thrizer, and Reimbursify can help you file claims.

Note. Megan M. Julian, Ph.D., PLLC has no relationship with Mentaya, Thrizer, or Reimbursify and cannot guarantee out-of-network reimbursement.

Fees

My hourly rate is $200/hour. I review and modify my rates annually. Clients are notified of any change in rate 30 days prior to it taking effect.

  • Psychotherapy: $250 for first session (75 minutes), $200 for all following sessions (50 minutes)

  • Assessment:  Billed hourly at $200/hour; review of measures completed and report writing is billed at the same rate.

  • Parent consultation: $200 (50 minutes)

  • Consultation for Professionals: Please contact me to discuss your needs.

What are the benefits to choosing a private pay therapist instead of using my insurance?

  • Private pay allows families to maintain more confidentiality over their private health information. With private pay, your records stay with the therapist, and any mental health diagnosis would not be part of your file with your insurance company.

    Please note that if you choose to use your out-of-network benefits, a mental health diagnosis must be shared with your insurance company on your superbill.

  • With private pay, your insurance company cannot dictate which therapist you can see, how many sessions you can have, or the content of your therapy sessions.

  • Insurance-based practices typically have long waitlists, and it may take several months to get an appointment. Private pay clinicians often have availability sooner.

  • Private pay therapists commonly have smaller caseloads. This means there is often a bit more flexibility when you need to reschedule, and you’re more likely to get an appointment at a time that works well for you.

  • People who pay out of pocket tend to be more invested in the process, are more likely to work on their therapy goals in between sessions, and they typically get better faster.

No Surprises Act

You have the right to a Good Faith Estimate (GFE) of what your services may cost. Under the law, health care providers are required to give patients who don't have insurance, or are not using insurance an estimate of the bill for medical treatment.

  • You have the right to receive a GFE for the total expected cost of any non-emergency items or services. 

  • I will give you a GFE in writing at least 1 business day before your medical service. You can also ask me, or any other provider you choose, for a GFE before you schedule a service.

  • If you receive a bill that is at least $400 more than your GFE, you can dispute the bill. 

  • Make sure to save a copy or picture of your GFE. For questions or more information about your right to a GFE, visit the link below or call (800) 985-3059.