Fees
‍            And
Insurance

Details on Fees & Insurance

Most health insurance plans provide some form of coverage for psychological services. Determination of coverage is best obtained with a call to your insurance company.

There are two general forms of coverage: In-Network and Out-of-Network.

In-network benefits cover some psychological services with clinicians who sign contracts with the insurance company to provide services at a set rate. With these benefits, the insurance company oversees the treatment and may limit your access to treatment over time as well as require disclosure of certain personal health information.

Out-of-network benefits cover psychological services with a clinician of your choice. Most plans require the patient to pay a deductible, and then reimburse a certain percentage of the fee after that, typically 75 or 80%. Some of these plans limit the number of sessions or the dollar amount that are reimbursable each year. The psychological services are not managed and authorization is not required.

Dr. Kot participates as an In-Network provider for ComPsych, Horizon Blue Cross / Blue Shield PPO, Aetna, Cigna, and Medicare. He is out-of-network for all other insurance plans.

Fee information and payment arrangements are discussed at the initial evaluation. Ultimately, the patient is responsible for all payment regardless of insurance reimbursement.

To ensure patient confidentiality and decisions about treatment such as the frequency (if more than one session per week is needed) or duration (for how long you can remain in therapy), out-of-network benefits or out-of-pocket payment is best. For better control over YOUR treatment and YOUR confidentiality, you may wish to consider out-of-network benefits or out-of-pocket payment.

Regardless of what method of payment you choose, assistance is provided with obtaining reimbursement from insurance companies.

An initial evaluation is $200 and is generally 45 minutes in length. Fee for individual therapy is $175 for a 45-minute session. A 60-minute session is $200. Cancelled initial evaluation and individual therapy sessions without at least 24 hours notice will result in a full session fee.

Testing and assessment using in-network benefits may require preauthorization. Dr. Kot will verify your benefits and eligibility for services well ahead of your scheduled appointment, as well as provide a good faith estimate your total out-of-pocket expenses, which may include deductibles, copays, or coinsurance.

For private pay, or if using out-of-network benefits, testing and assessment is $200 per hour, including scoring, report writing, and feedback.

Most testing and assessment requires a 50% down payment for all services to be rendered prior to the initiation of services. Scoring and report writing typically equals the total time of face-to-face test administration and is charged separately along with a feedback session to explain assessment results. The remainder of the balance will be collected before a report is released.

PLEASE NOTE DISCUSSION OF FINDINGS OR A WRITTEN REPORT WILL NOT BE PROVIDED UNLESS PAYMENT IS MADE IN FULL EITHER FROM IN-NETWORK INSURANCE REIMBURSEMENT OR PRIVATE PAY.

Cancelled testing and assessment sessions without 24 hours notice will result in a one-hour ($200) cancellation fee.