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Please click HERE for detailed information about working with an out-of-network mental health provider.

I am not contracted with any medical insurance companies, but can still offer you a receipt for services that you can submit to your insurance company for reimbursement. Every insurance plan has their own unique out of network coverage so I encourage all clients to call the customer service number on the back of their insurance card and ask the following questions:

1. Do I have any out of network coverage?
2. What is my out of network coverage for mental health services?
3. What is my out of network deductible? (Often insurance plans have separate out of network deductibles)
4. What service codes does my plan cover without pre-authorization? (most plans cover 50 minute session with my usual code 90837, though some only cover the code 90834, which is for 45 minutes, not a code I typically use)

If you do have out of network coverage then you can submit the special receipt I create as a courtesy and your insurance will send you reimbursement for our sessions together.


Good Faith Estimate

Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a Good Faith Estimate of expected charges.

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. If you receive a bill that is at least $400 more that your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.

DISCLAIMER: The Good Faith Estimate shows the costs of items and services that are reasonably expected for your health care needs for an item or service. The estimate is based on information known at the time the estimate was created. The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. You could be charged more if complications or special circumstances occur. If this happens, federal law allows you to dispute (appeal) the bill.

To learn more and get a form to start the process, go to

Please let me know if you have further questions or want help problem solving what this change will mean for you. I’m glad to e-mail on this topic, talk during our next session, or set up a time for a phone call.

With kind regards,

Elina Kogan, LSW, MFT

No Surprises Act

You have the right to receive a Good Faith Estimate of what your services may cost.

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