I'm in-network provider with Aetna, Cigna, United Healthcare and BCBS

For other insurance plan, if your insurance company offers out of network mental health coverage I can provide you with a particular type of receipt – called a superbill – that you can submit to your insurance company to be reimbursed depending on your benefits. Full payment is required at the time of service.  Please contact your insurance provider in order to determine whether or not your policy covers out-of-network mental health services.  

Marina encourages all clients to contact their insurance provider directly prior to your first session and ask the following questions:

 If you have an OON  insurance: 

• Does my policy cover out-of-network mental health services? 

• How do I submit a superbill to get reimbursed?

For everyone to ask:

• Do I have a deductible and how much is remaining?

• Is there a co-payment or co-insurance for my mental health benefits?

• How many sessions will be covered per calendar year?

• Does my plan cover telehealth therapy?

• Do I need to get an authorization for mental health services?

*Please note that insurance companies require a mental health diagnosis in order to qualify for reimbursement. 

No Surprises Act / Good Faith Estimate

Under the federal No Surprises Act, therapists are required to give this form of notice to patients who are uninsured and insured patients who are not using their health insurance benefits to pay for services. 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.

Since the scheduling of an appointment involves the reservation of time specifically for you, I ask that you give me at least 24-hour notice, as this allows me to provide your appointment slot to others who may need it. Missed appointments or cancellations made with less than 24 hours' notice will occur a $100 charge. Fee exemptions for emergencies will be determined by the provider’s discretion.