Fees & Payment -
Your care is worth the investment, but be informed when deciding to seek services.
How is therapy or coaching paid for? Generally speaking there are three ways to pay for service:
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Private pay: The client pays the therapist or coach directly. This allows you to have control over who you see, the type and goals of therapy or coaching, how long services will last, and who has access to your private information. *Note that private pay is the only way to pay for coaching. Health insurance generally covers medically necessary treatment of a diagnosable health condition and does not cover coaching. If you do not have health insurance or choose not to use your insurance to pay for psychotherapy, you have the right to receive a Good Faith Estimate of expected charges under the No Surprises Act. [Learn more about your right to a Good Faith Estimate.]
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In-Network Insurance: You and your insurance company each pay for a portion of the service. Your portion is known as a deductible, and/or co-pay/coinsurance. To use third party payment, the therapist must have an agreement or be In-network with the insurance company (see info below). Using insurance means that services are also subject to your health plan's coverage requirements, including medical necessity, covered services, cost-sharing, and, in some cases, utilization review. This may affect the goals of therapy, Using insurance also requires certain clinical and billing information to be shared with your health plan as permitted or required for payment and health care operations.
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Out-of-Network Payment: If I am not in-network with your health plan and your plan includes out-of-network mental health benefits, you may choose to pay for services directly and submit documentation to your insurance company for possible reimbursement. Coverage and reimbursement vary by plan, so please verify your benefits directly with your insurance company.
In each case, you are responsible for paying your portion for services the day of your appointment. We can discuss the advantages and disadvantages of each payment type to come to an informed decision that is best for you. When cost is a concern, you may need to use your health benefits to access services. If you are experiencing financial hardship, please call to discuss available options. I do not want financial limitations to prevent someone from seeking needed care and may be able to identify other appropriate referral options.
Cost and Payment Policy
Methods of Payment: Cash, Check, Credit Card (MC, Visa, Discover American Express), Payment is due at the time of your session
Rates: For services not covered by insurance, I charge a flat rate of $175 for a standard session.
Initial Intake
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$175 — 60 minutes
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$225 — Extended intake, 75–90 minutes
Ongoing Psychotherapy
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$75 — 30 minutes
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$175 — Standard session, 38–60 minutes
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$225 — Extended session, 75–90 minutes (private pay only)
Coaching
Coaching is a private-pay service and is not covered by health insurance. Fees are established based on the scope, format, and duration of the coaching relationship and will be discussed and agreed upon before services begin.
*Why do I charge the same rate for standard 45 vs. 60 min. sessions? Psychotherapy billing codes use defined ranges of face-to-face time rather than billing by the minute. Because I generally prefer to allow sufficient time for meaningful clinical work when appropriate, I use the same standard fee for sessions within the 38–60 minute range.
Services provided by Dr. Harris may be covered in whole or in part by an accepted health insurance plan. Coverage varies by plan and benefit. (see questions to ask above).
**Please be aware that with any health plans, there may be deductibles and copayments for which you would be responsible (review your policy or call your company for more information).
Health Plans
*Insurance participation and plan contracts may change, and I may not participate in every product or network offered by a listed health plan. Please verify your specific benefits and my network status before beginning services.
Anthem Blue Cross and Blue Shield
Cigna/Evernorth (Cigna Healthcare)
United Behavioral Health (UHC/OptumHealth)
*If your plan is not listed and you know I am out-of-network, I can provide you with documentation that you can submit to your insurance company to request reimbursements.
Questions to Ask Your Insurance Company
You may be able to find some of this information through your health plan's website or member portal. Because benefits vary by plan, contact your insurance company directly when you need clarification.
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Does my plan cover outpatient mental health/psychotherapy services?
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Is Dr. David M. Harris, LCSW, in-network with my specific plan?
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What are my deductible, copay, or coinsurance responsibilities, and how much of my deductible remains?
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Does my plan cover individual, couples, and/or family psychotherapy?
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Are there limits on the number or frequency of sessions covered?
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Do I need preauthorization or a referral for psychotherapy?
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Does my plan cover out-of-network mental health services?
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If so, what is my out-of-network deductible and coinsurance?
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Is there a maximum reimbursable or allowable amount for an out-of-network session?
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How do I submit an out-of-network claim, and what is the filing deadline?