Fees and Insurance

Fees and Insurance

Insurance

Starting mid March 2024, I will be in network with Aetna (Meritain, Nippon, Allied Benefit Systems, Trustmark, Trustmark Small Business benefits) and Optum (United Healthcare, Oscar, Oxford, GEHA). I am also happy to work with those with OON benefits to get reimbursement for sessions. One con to using insurance is that I will need to provide a diagnosis and share information about our work together and the services I provide to you. I’m happy to answer any questions you have about this!

Session Fee and Sliding Scale

My private pay rate is $250 per session. I believe that cost should not be a barrier to accessing mental health care and in order to make therapy more accessible for my clients I offer a sliding scale. I hold a portion of my caseload for folks who need a lower fee or those that can’t use insurance, and am happy to work with people to come to an agreement!

No Surprise Act and Good Faith Estimates

You have the right to receive a “Good Faith Estimate” explaining how much your medical 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 bill for medical items and services.

Determining Sliding Scale

I use the below rubric created by Alexis J. Cunningfolk (wortsandcunning.com) to help prospective clients determine where they fall on my sliding scale. I trust clients to decide for themselves what they can pay based on what financial privileges and needs they may have.

  • I am comfortably able to meet all of my basic* needs

    I may have some debt but it does not prohibit attainment of basic needs

    I own my home or property OR I rent a higher-end property

    I own or lease a car

    I am employed or do not need to work to meet my needs

    I have regular access to health care

    I have access to financial savings

    I have an expendable** income

    I can always buy new items

    I can afford an annual vacation or take time off

    * Basic Needs include food, housing, health care, and transportation.

    ** Expendable Income might mean you are able to buy coffee or tea at a shop, go to the movies or a concert, buy new clothes, books, and similar items each month, etc.

  • I may stress about meeting my basic needs but still regularly achieve them

    I may have some debt but it does not prohibit attainment of basic needs

    I own or lease a car

    I am employed

    I have access to health care

    I might have access to financial savings

    I have some expendable income

    I am able to buy some new items & I thrift others

    I can take a vacation annually or every few years without financial burden

    * Basic Needs include food, housing, health care, and transportation.

    ** Expendable Income might mean you are able to buy coffee or tea at a shop, go to the movies or a concert, buy new clothes, books, and similar items each month, etc.

  • I frequently stress about meeting basic needs & don’t always achieve them

    I have debt and it sometimes prohibits me from meeting my basic needs

    I rent lower-end properties or have unstable housing

    I do not have a car and/or have limited access to a car but I am not always able to afford gas

    I am unemployed or underemployed

    I qualify for government assistance including food stamps & health care

    I have no access to savings

    I have no or very limited expendable income

    I rarely buy new items because I am unable to afford them

    I cannot afford a vacation or have the ability to take time off without financial burden

    * Basic Needs include food, housing, health care, and transportation.

    ** Expendable Income might mean you are able to buy coffee or tea at a shop, go to the movies or a concert, buy new clothes, books, and similar items each month, etc.

Mental Health Support Letters for Gender Affirming Care

I don’t believe anyone should have to jump through hoops to get essential, life saving and affirming care. I provide support letters free of charge and have 2 slots per week open for this purpose. Feel free to reach out to me to sign up! contact@dorabowmantherapy.com