Insurance and Billing

At Old Town Psychology, we believe that outstanding psychological care should never be constrained by the limitations that insurance networks so often impose. That is why we operate as a private-pay, out-of-network practice, a model that allows us to focus entirely on what matters most: providing expert, individualized care that is tailored to each client’s needs rather than shaped by insurance requirements, session caps, or administrative restrictions. 

Below you will find everything you need to know about our fees, payment process, and how to make the most of your out-of-network benefits.

Our Billing Model

Old Town Psychology is not in-network with any insurance plans. We are a private pay practice, which means clients pay directly at the time of service. This approach is a deliberate choice, one that allows us to maintain the boutique, concierge-level standard of care that defines our practice, protect our clients’ privacy, and ensure that clinical decisions are always made in the best interest of the client rather than driven by what an insurer will or will not cover.

Many of our clients find that this model offers meaningful advantages beyond clinical quality. Out-of-network care typically allows for greater flexibility in choosing a provider, longer and sessions, and a higher degree of confidentiality than in-network arrangements, because less information is required to be shared with a third party.

What Our Patients Say

"We brought our daughter in for testing and the OTP team was amazing. They were so kind, caring and great with children. My daughter is shy and takes a little time to warm up when first meeting someone new. The Doctor was patient and encouraging and my daughter had a wonderful time. They also provide fast results and meet with you to explain everything in the report. I would definitely recommend them."

"Very prompt response to our inquiry. Welcoming environment and very professional, thorough communication. The staff genuinely seems to care that your needs are met."

"Excellent service, knowledgeable staff, incredible responsiveness, diligence and follow through -- we feel lucky we found such a great therapy practice. We cannot recommend them highly enough!"

“My daughter took WISC-V test there and we are very pleased with our experience. They are professional, patient and wonderful throughout the entire process. My daughter had such a great time that she hardly felt that was a test - she even asked when she could take it again. I would highly recommend them to whoever needs child IQ testing services.”

“I took my children here for TAG testing. Both of my kids actually enjoyed their assessments. I was very pleased with the time and care taken to assess my children, the thoroughness of the report, and the fact that there was a follow-up session to discuss any questions that I had relative to the assessment included. Also-- the tea selection in the waiting room is top tier :)”

“Very prompt response to our inquiry. Welcoming environment and very professional, thorough communication. The staff genuinely seems to care that your needs are met.”

Out-of-Network Reimbursement

Being a private pay practice does not necessarily mean bearing the full cost of care out of pocket. Many clients are able to use their out-of-network mental health benefits to offset a significant portion of their fees.

Here is how it works: after each appointment or service, we provide you with a detailed superbill: a professionally formatted receipt that includes all of the diagnostic and procedural information your insurance company requires to process a reimbursement claim. You submit the superbill directly to your insurer, and if your plan includes out-of-network benefits, your insurance company reimburses you directly for the eligible portion of the cost.

We provide all of the documentation needed to submit for out-of-network reimbursement. However, we are unable to guarantee reimbursement or advise you on what your specific plan will cover, as benefits vary considerably from plan to plan and policy to policy. We strongly encourage you to contact your insurance provider before beginning services to ask about your out-of-network mental health benefits, your deductible, and your reimbursement rate for outpatient therapy and psychological assessment.

Questions to ask your insurance provider:

• Do I have out-of-network mental health benefits?
• What is my out-of-network deductible, and has any of it been met?
• What percentage of the fee does my plan reimburse for out-of-network outpatient therapy?
• What percentage does my plan reimburse for psychological testing?
• Is there a limit on the number of sessions covered per year?
• Do I need a referral or prior authorization to use out-of-network benefits?

Payment

Payment is due at the time of service. We accept all major credit cards, debit cards, and health savings account (HSA) or flexible spending account (FSA) cards. HSA and FSA funds can typically be used for mental health therapy and psychological assessments, making them a tax-advantaged way to offset the cost of care.

Questions?

Our team is happy to walk you through the billing process, help you understand your potential out-of-network benefits, or answer any questions you have before scheduling. We want the financial side of your care to feel as clear and straightforward as possible.

To speak with our team about billing or to schedule an appointment, contact us today.