Insurance

bellingham psychotherapists cindy paffumi

Rates and Insurance

Rates

I realize that good therapy requires a good match between client and therapist. I offer up to 30 minutes free consultation over the phone or in person for the first visit. If we decide that it is a good match, services may be covered by your health insurance. An initial 90 minute intake session is $175. Follow-up sessions are 50 minutes at $110 for individuals and $120 for couples. Group therapy is $30 for each session.

Insurance

Using Health Insurance
I belong to a number of insurance panels, referred to as “in-network provider.” Insurance plans typically have co-payments; the member pays the co-payment and I bill the insurance company for their portion. You may be able to use your insurance for out-of-network benefit for reimbursement. I encourage you to contact your insurance provider regarding mental health benefits. Check your insurance coverage carefully by asking the following:

Check your insurance coverage carefully by asking the following:

  • What are my mental health insurance benefits?
  • What is my deductible and has been met?
  • How many sessions per year does my insurance coverage?
  • What is the coverage amount for out-of-network providers?
  • Is approval required from my primary care provider?

Self-Pay option

Paying privately offers an advantage in terms of privacy, philosophy, and few constraints on care. Some of the reasons people choose to pay privately (self-pay) include:

Privacy – Insurance companies require a mental health diagnosis, requiring disclosure of highly personal information. Many people don’t want a mental health diagnosis in their permanent record.
Wellness perspective – Many people are seeking therapy for non-medical reasons (such as personal growth, career transitions and relationship concerns).

Please contact me if you have any questions related to insurance or billing.

Sliding Fee
I offer a sliding scale in cases of financial need.

Payment
Fees are payable on the day of service. I accept cash, check and major credit cards for payment. I can also give you a form to send to your insurance company or bill them directly.

Cancellation Policy
I understand that unplanned issues can come up and you may need to cancel an appointment. If that happens, I respectfully ask for scheduled appointments to be cancelled at least 24 hours in advance. You will be requested to pay the full cost of the session if I do not receive a call to cancel an appointment.

Emergency situations are exceptions to this policy.

Cindy Paffumi • 2215 Elm Street • Bellingham, WA 98225 • 360.220.9524