Fees for Services
Please contact me for more information on fees. I accept payment by cash, check and credit card. All checks should be made out to Michelle Horton Therapy. You can also use your HSA (Health Savings Account) or FSA (Flexible Spending Account) cards. Payment is due at the time that services are rendered.
Insurance and Out-of-Network Reimbursement
I do not accept insurance and am not on any insurance panels. As a licensed therapist I can provide you a monthly statement (sometimes called a superbill) that you may be able to submit to your insurance company for out-of-network coverage and possible reimbursement.
Depending on your plan, your insurance company may reimburse you up to 20-70% of the fee when you see an out-of-network provider. If you want to know if you can be reimbursed, I suggest you call your insurance company and ask about your plan’s out-of-network coverage for mental health providers. Here are some important questions to ask when you call them:
- Does my plan provide out-of-network reimbursement for mental health?
- Am I covered to see a Licensed Marriage and Family Therapist?
- Will you cover in-person and/or video therapy sessions?
- I live in San Francisco*, is there an accepted maximum fee for therapists*? What percentage of that fee do you cover?
- Is there a deductible I need to meet before you will start to reimburse me?
- Is there a maximum amount you will reimburse within a year or period of time?
- Do I need a diagnosis on the statement I receive from my therapist?
Whether you are using your in-network or out-of-network insurance benefits it’s important to be aware that most insurance companies require that the treating therapist provide a clinical diagnosis and sometimes additional information.
I’m happy to discuss all this in more detail if you have any questions.
I believe that therapeutic and mental health services should be available and accessible to everyone regardless of their economic and life backgrounds. While participating in therapeutic services is often a financial and mental investment in oneself, I understand that different privileges and life circumstances can impact the ability to access these services. I strive to address this issue in my practice by keeping a limited number of sliding scale spots open for clients who work in public education, non-profit settings or are currently psychology students/interns experiencing financial hardships. I’m also a member of the Open Path Therapy Collective whose mission is to help people access affordable, high quality psychotherapy services. Please contact me directly to discuss sliding scale options. I’m also happy to provide referrals if I’m not able to meet your needs.