Emily is able to take several insurances, including Blue Cross/Blue Shield, Cigna, Aetna, United Health Care Optum, Oscar Optum, Oxford Optum, Carealon Behavioral Health, and Quest Behavioral Health.  If we don’t take your insurance, see the options below for “rates without insurance” or “out of network.” If you want to see if Emily is covered by your provider, you can reach out to them directly, or connect to Emily through her Psychology Today and she will collect your information. 

https://www.psychologytoday.com/us/therapists/emily-a-daniel-san-marcos-tx/817688

Is couples therapy covered by insurance?

In general, therapy services are covered by most insurance, however, it requires that an individual be diagnosed with a mental health disorder. Couples therapy focuses on the dynamics and health of the relationship like reducing conflict, rather than treating an individual's condition. Unfortunately, this does not align with most insurance companies for coverage.  We can discuss further the options that are available to you.

Rates Without Insurance

Utilizing private pay is a huge advantage over most insurance since you will not be term-limited in your therapy, your insurance company will not be given any details of your therapy and you will not be given a diagnosis (this is helpful in case you are ever sued and your medical records are subpoenaed). You may also be able to claim mental health as a medical expense tax deduction.

• Rates for therapy vary by therapist, but they range from $75-125 per session for individuals, & $75-175 for family/couple sessions. 

  • Current Texas State Students & Faculty receive a 20% discount

Why Do Clients Choose Private Pay?
Private pay offers clients greater control over their treatment, the type of therapy approaches, frequency of sessions, and puts the client's needs at the forefront. 

Enhanced Privacy
When using insurance for mental health services, records of treatment may become part of your medical history, potentially impacting life insurance applications or legal proceedings. Private pay provides an additional layer of confidentiality, protecting sensitive information.

Out of Network

You might want to check your benefits and each month we will give you the invoices to file with your insurance company. 

If you have a Health Savings Account, it makes out of network even easier as your pre tax dollars pay your deductible. 

Good Faith Estimate

As of January 1, 2022, 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.

Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

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. You can also ask your healthcare provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.