Session fees range depending on length and type of service provided. Fees vary for individual therapy, parent-based treatment, assessment services, and school consultation. Payment is due at the time of service.
Dr. Murray’s practice is private pay and does not participate directly with insurance plans. However, many families choose to use their out-of-network benefits, and a detailed superbill can be provided for submission to your insurance carrier for potential reimbursement.
Because insurance coverage varies widely, families are encouraged to contact their insurance provider prior to beginning services to better understand their benefits.
If you plan to seek reimbursement through insurance, the following questions may be helpful when speaking with your carrier:
To be eligible for reimbursement, the answer must be yes. If you do not have out-of-network coverage, services may still be paid for out of pocket or through a health savings account (HSA).
You may wish to ask about coverage for commonly used procedure codes:
For each code, it can be helpful to ask:
“What is the allowable or reimbursable rate for this service?”
Out-of-network reimbursement rates commonly range from 60%–80%, though this varies by plan.
Understanding your deductible can help you anticipate when reimbursement may begin to apply.
All fees paid for treatment may be tax-deductible medical expenses, depending on your individual circumstances. An invoice can be provided upon request for tax or reimbursement purposes.
Insurance reimbursement can feel complicated at first, but many families find the process more straightforward once benefits are clarified. Historically, families with out-of-network coverage have been able to access their benefits without difficulty.
If questions arise, support is available. Dr. Murray is happy to help clarify the process and ensure that treatment planning aligns with your needs and coverage whenever possible.
