Out-of-Network Reimbursement: I am an out-of-network provider, which means sessions are cash pay. Many PPO plans offer out-of-network benefits and will reimburse 50–80% of the session cost once your out-of-network deductible is met. I provide superbills for clients wishing to request reimbursement.

Using Your HSA/FSA for Therapy: Therapy for a diagnosed mental health condition is considered a qualified medical expense under IRS guidelines. If you have an HSA or FSA, you may use those funds to pay for sessions. You can pay with your HSA/FSA card or request reimbursement afterward. I provide detailed receipts that you can keep for your records.