Invest in Feeling Better

Therapy can be a powerful space for change. You're not just paying for a session - you're investing in your wellness, self-understanding, and future growth.

In-Network

I am in-network with Aetna, Aetna student plans (Columbia, Cornell, Pratt, FIT, and more), Meritain Health, Nippon, Allied Benefit Systems, Trustmark, Health Scope, and Christian Brothers Services. In this case, your insurance sets our fees, including your co-pays and deductibles. I will bill your insurance for you and charge any deductible or co-pays at the end of every session.

Out-of-Pocket

If you do not have or do not wish to use your health insurance, I will do my best to work with you to set a fee that meets both your financial needs and my own. During your complimentary 20-minute phone consultation, we can discuss fees and what is feasible for you. Please reach out via drtriciaswang@gmail.com

You’ve made room for everyone else’s needs.
What would it feel like to make room for yours?

Out-of-Network

If I’m not in-network with your insurance plan, it may have out-of-network benefits, which means that sessions can be covered up to 80% (sometimes more) of my standard fee ($300 a session). I can support you in using your out-of-network (OON) benefits in two ways:

  1. I can submit OON claims automatically on your behalf via Thrizer, saving you time, effort, & insurance hassles; or

  2. I can provide you with a superbill (a detailed receipt) that you can submit to your insurance for reimbursement.

Understanding Out-of-Network Coverage

You can estimate how much therapy might cost by calling your insurance company and asking them the following questions. These out-of-network variables get reset annually.

  1. Out-of-network Benefits : Do I have out-of-network benefits for virtual mental health services?

  2. Deductible : Do I have an Out-of-Network Deductible? If so, how much is that and how much of it have I met?

  3. “Allowed Amount” : What is the “Allowed Amount” for these CPT codes 90791, 90834, 90837, 90846, and 90847?

    • 90791 – Initial Diagnostic Interview

    • 90834 – Psychotherapy, 45 minutes

    • 90837 – Psychotherapy, 60 minutes

    • 90846 – Family Therapy (without the patient present)

    • 90847 – Family Therapy (with the patient present)

  4. Co-insurance : Of that Allowable Fee, what will my insurance company pay, and what does the insurance company expect me to pay after I meet the out-of-network Deductible?

  5. Out-of-Pocket Maximum : What is the yearly out-of-pocket maximum for my policy, and how close am I to meeting it?

  6. Session limit : Is there a limit to the number of sessions covered per year?

  7. How do I submit claims for out-of-network services?

Knowing this information can help you estimate your out-of-pocket costs more accurately.

It’s okay to ask,
“Can I afford to take care of myself this way?”

If you’re unsure about your insurance benefits or how to navigate reimbursement, I’m happy to go over payment options, insurance, and what working together can look like within your means.

Payment Options

All payments are charged on the day of your session online via credit or debit card. I use a secure patient portal for all billing and scheduling. Zelle, HSA/FSA cards, and all major credit/debit cards are accepted for payment.

Cancellation Policy

If you need to cancel or reschedule your appointment, please do so at least 48-hours before your appointment.

Appointments cancelled or missed without 48-hours notice for any reason, including illness and emergency, will be charged a cancellation fee equal to the full session rate. This fee is different from your co-pay, and is not billable to your insurance as insurance does not cover no-shows and late cancellations.

Good Faith Estimate Notice

You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services. You can ask your health care provider, and any other provider you choose, 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 dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.

Reach Out

Let’s talk about money, without the stress.

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