Insurance & Fees
The fee for a 50 minute session is $175 for individuals and couples. 80 minute sessions are available upon request for an additional fee. Keep reading for your payment and insurance options.
Payment options
This is an investment in yourself. You have options to make it work for your life.
Pay as You Go
$175 per session
Billed on the day of your appointment
This option gives you the most freedom. Schedule sessions as often as you’d like and pay on the day of service.
HSA/FSA
$175 per session
Billed on the day of your appointment OR monthly
Yes, you can use HSA/FSA for my services! Talk to me about how to best use these benefits to pay for your appointments.
Monthly Payment Plan
$175 per session
Billed monthly
Make one payment per month on a day that works best for your budget. You can even use 80 minute sessions to get the most out of your monthly therapy budget. Talk with me about how to make this work best for you.
Out-of-Network Insurance
$175 per session
Billed on the day of your appointment OR monthly
You can pay for each session individually or do a monthly plan with this option as well. Read below for more information about out-of-network insurance benefits!
Insurance
I am not in-network with any insurance providers. This gives me the freedom to customize your treatment to your needs instead of being dictated by your insurance company.
You can use FSA or HSA to pay for my services. Many of my clients also use out-of-network insurance benefits to receive partial or full reimbursement for their treatment with me. Reimbursement varies from plan to plan.
Mentaya offers excellent help with navigating this process. You can read about their services and FAQ here. The app Reimbursify can also be helpful.
If you’re more of a do-it-yourself type:
- Check your insurance company’s website for your “Summary of Benefits.” You’re looking for mental health or behavioral health benefits.
- Call your insurance company to verify your benefits. Often, the number is listed on the back of your insurance card.
Questions to ask your insurance company:
- What is my out-of-network deductible for outpatient mental health? Is this separate from my in-network deductible?
- How much of my deductible has been met this year?
- What is my out-of-network coinsurance for outpatient mental health? At what rate will I be reimbursed for out-of-network services?
- Do I need a referral from an in-network provider to see someone out-of-network?
- How do I submit my superbill?
After verifying your benefits:
You must pay for your sessions at the time of service. I will provide you with monthly or quarterly (your choice) forms via email. These forms are called superbills. You’ll submit these following the instructions given to you by your insurance company, and (if you qualify) receive payment from them.
Lori Alvarez, MS LMFT
Hi, I’m Lori. I am a licensed psychotherapist in Kansas City, Missouri. Email me with any of your insurance and payment related questions. Sometimes I can offer sessions at a reduced rate - just ask! Come check out my office near Westport, or meet with me virtually from anywhere in Missouri. I’m looking forward to hearing from you.
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