Richard E. Schultz, Ph.D. Clinical Psychologist
Fees and Reimbursement

Current Fee Schedule (as of May, 2016):

80 Minute Initial Individual Consultation            $200.00

50 Minute Psychotherapy Session                    $155.00

80 Minute Initial Couples Consultation              $200.00

50 Minute Couples Psychotherapy Session        $165.00

Payment is required at the time services are rendered, and may be made by check or cash. Credit card payment is also available at this time.  Fees are subject to change on a periodic basis. Statements are available upon request for tax purposes, or for reimbursement through insurance plans, or flexible or health spending accounts. Please note that 24 hour advance cancellation of scheduled appointments is required in order to avoid being billed in full for the session fee.

Health Insurance Reimbursement:

Many patients will reasonably wish to seek reimbursement for my services through their health insurance program, and this is commonly available through most group or employer-sponsored plans on an "out of network" basis. Given that psychotherapy does require an investment of financial, as well as emotional resources, I strongly recommend that you do your best to accurately assess the magnitude of this commitment prior to beginning treatment, and your ability and willingness to meet it.  

The best way to determine what portion of my services will be reimbursed by your insurance company is to contact them directly by calling the customer service phone number on the back of your insurance card (there is often a separate phone number for mental health services information). When speaking with your insurance company, you will want to ask them the following questions:
 

  • What are my "out of network" outpatient mental health benefits?
  • How many sessions per year are covered under my plan?
  • What percentage of each visit is covered under my plan?  
  • What is the "usual and customary rate" allowable for an initial individual or couples consultation (procedure code 90801), or for a subsequent individual or couples therapy session (procedure codes 90806 and 90847, respectively)?
  • Must I meet a deductible before my benefits will begin paying?  What is it? 

Of course, even many individuals who have health insurance elect not to use it for coverage of mental health services, and instead pay for therapy as an "out of pocket" expense, or via a flexible or health savings account.  Most often, this is due to concerns about the privacy of protected health information, and the potential release of this information to health insurance companies and their affiliated entities.  Admittedly, the many woeful inadequacies and inefficiencies of the health insurance industry have led me to discontinue my my direct partnership with it.  I do, however, quite firmly believe that those with insurance should be able to use it to pay for psychotherapy.  At the same time, I respect the right of patients to maintain full control over their protected medical and mental health information.  Should you choose not to use your health insurance to cover my services, your personal information and medical records will remain completely confidential, with no access granted to third party payors or their affiliates.

A Comment on the Cost of Psychotherapy:

Like many professional services of which we need or choose to avail ourselves in life, therapy is not inexpensive.  For this reason, I want my patients to know that I appreciate fully the great investment (of time, energy and money) they are making in working with me.  I also want them to know that I am therefore committed to helping them reach their goals for change as quickly as possible.  The good news is that the primary determinant of how quickly you get there will be your own motivation to do so.  I'll work hard to provide the best tools and techniques available, but you will have to work much harder than me in order to get better.  I would love for you to be ready right now, but will certainly understand if you are not.  In that case, however, you may wish to wait until your hunger for change grows stronger before initiating treatment.  I will most certainly talk with you about this in our very first meeting.