A Note on Investment Therapy is an investment — not only financially, but in your time, attention, and willingness to engage with yourself in a deeper way. It can ask a lot of you. And over time, it can give something back that extends far beyond any one issue or moment — shaping how you understand yourself, how you relate to others, and how you move through your life.

In-Network If you have one of these plans, sessions are billed directly to your insurance. You'll typically be responsible for a copay or coinsurance, depending on your specific plan — the exact amount is set by your insurance company, not by me. I'd recommend calling the number on the back of your card to confirm your mental health copay before we begin.

• Aetna

• Oscar (Optum)

• Oxford (Optum)

• UnitedHealthcare (Optum)

• Carelon and NYSHIP / Empire Plan members: I'm technically out-of-network, but I bill directly on your behalf and offer a sliding scale.

If you have one of these plans, sessions are billed directly to your insurance. You'll typically be responsible for a copay or coinsurance, depending on your specific plan — the exact amount is set by your insurance company, not by me. I'd recommend calling the number on the back of your card to confirm your mental health copay before we begin.

Out-of-Network Out-of-network means sessions are paid for directly, rather than through an insurance company. Many people find that this allows for a more private, flexible, and meaningful therapeutic experience.

Working outside of insurance can offer:

• Greater privacy. Insurance companies typically require a mental health diagnosis, and in some cases access to aspects of your treatment. In an out-of-network practice, your work stays between us.

• More flexibility in your care. There are no session limits, required timelines, or external reviews shaping the process. We can move at a pace that feels right, and stay with what matters.

• A more personal, engaged experience. I keep my practice intentionally small so that I can be fully present with each person and hold the work with care and attention.

• A focus on deeper, lasting change. Rather than focusing only on symptoms, our work can explore the underlying patterns, relationships, and parts of your experience that aren't always visible at first.

Fees I don't list my fees publicly, as I offer some flexibility depending on individual circumstances. We can talk through this during a consultation.

Using Out-of-Network Benefits If you have out-of-network benefits, you may be eligible for partial reimbursement. Here's how it works:

• Payment: Sessions are paid out of pocket. I provide monthly invoices.

• Superbill: At the end of each month, I can provide a superbill — an itemized receipt for services.

• Submission: You submit the superbill to your insurance company.

• Reimbursement: If your plan includes out-of-network coverage, your insurance reimburses you directly for a portion of the cost.

Insurance companies typically require a diagnosis in order to reimburse out-of-network claims. If you choose to use your benefits, we can talk about this together so the process feels transparent and considered.

Questions to Ask Your Insurance

To better understand your coverage, you can call the number on the back of your insurance card and ask:

• Do I have out-of-network benefits for outpatient mental health?

• What is my out-of-network deductible, and has it been met?

• What is the allowable amount for CPT code 90837?

• What percentage of that amount will be reimbursed?

Good Faith Estimate Under the No Surprises Act, if you're paying out of pocket, you're entitled to a Good Faith Estimate of the expected cost of services. I'm glad to provide one, and we'll talk openly about cost so there are no surprises.