Lee M. Stillerman, PhD

Licensed Psychologist (PSY 21971) 

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Why choose to self-pay vs use insurance?

Many people begin the search for a therapist by asking “Will my insurance cover this?” A better question is “Which therapist can I trust to give me the best care for my money?”


There are several advantages to self-pay vs using insurance:


  • More Privacy/ confidentiality: I am required to provide information about your diagnosis, treatment plan, and progress. Once this information gets communicated to the insurance company it is quite literally out of my hands. We will never know exactly who has access to this information or how it is protected. This undermines the basic premise of therapy.

  • More freedom and control: Using insurance means that we are allowing a 3rd party to intrude and to be the deciders of, for example, frequency and duration of visits. The insurance company imposes very strict, rigid parameters on how often we can meet and for how long. It is nice when we can create a treatment that makes sense for your unique needs—not your insurance plan.

  • No Diagnosis Necessary: Insurance will only cover your sessions if I diagnose you with a “medically necessary” condition. It is an advantage to seek help from a provider who is not mandated to provide you with a stigmatizing and somewhat arbitrary label and to instead focus on what you truly need to heal and make positive changes in your life.

Self-pay?

Fees
Many clients choose to self-pay. My current rate is $125 per 50-minute session for individual or couples therapy. I accept payments in the form of cash, check, or major credit cards. I also offer a sliding scale fee for self-paying clients with financial difficulty. Payment is due at the beginning or end of each session.

3rd Party Payment?

Insurance
I currently accept Anthem Blue Cross, Blue Shield, and Magellan

With certain insurance plans, such as PPO plans, you may be able to be reimbursed for my services as an out of network provider. This means that you will pay for services up front and I will provide you with a monthly "Superbill" for your convenience that you submit to insurance for reimbursement. If you choose this option, know that your insurance company will determine whether to reimburse you or not. 

Please check with your specific insurance plan for your benefits, it is important to determine your deductible and copay.

Can't make it?

Cancellation Policy
Appointments are made to reserve a specific time slot for you, and therefore, a minimum of 24 hours’ notice is required for rescheduling or canceling an appointment.  As customary in this profession, the full fee will be charged for sessions missed or rescheduled without prior notification. Most insurance companies will not reimburse for missed sessions. Thank you for your understanding.
 

Learn more about insurance coverage for behavioral and mental health