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Please contact me in order to discuss therapy session fee.


I have a limited number of appointment times that I offer at a reduced rate. I try to adjust my fee to fit each person's unique circumstances. The ability to lower my fee is dependent upon shared availability, your flexibility with scheduling, and if I have any openings.


I would never want the cost of therapy to stop someone from seeking help. If I am unable to offer a lower fee, I can refer you to another therapist or mental health clinic.

Out of Network

If you would like to use your out of network health insurance benefits, you can contact your insurance company to review your policy. 

Out-of-network mental health benefits means that your insurance provider may reimburse you for therapy sessions, even though a therapist is not in-network with your health insurance.


Many insurance plans do offer out-of-network benefits, and you may find that your insurance will cover a significant percentage of therapy costs.​

*If you do have out of network benefits and would like to use them, I will gladly provide you with a monthly statement which you can send to your insurance provider. Statements will include all of the information required by your insurance company for reimbursement. I will work with you to make the process as smooth as possible, and so that you receive reimbursement in a timely manner.   


If it is determined that you do have out-of-network mental health benefits,

ask your insurance provider the following four questions:


  •  What is the amount of my out-of-network deductible, and has that deductible been met? 

Your deductible is the amount of money that your insurance company requires you to pay for your healthcare costs, before they will begin reimbursing you. Not all insurance plans have a deductible, but many do.


For example, if you have a $500 deductible for out-of-network care, then you would be responsible for paying in full for your out-of-network medical costs, up until the costs reach $500. Your insurance coverage would not start until after you have paid for $500 in out-of-network costs.  


  •  How much will insurance reimburse me per therapy session?

Your insurance provider may not cover the whole fee per therapy session. Instead, they may cover a portion of the fee and require that you pay the remainder of the fee.

  •  Is there a maximum number of therapy sessions allowed for reimbursement per year

Some insurance providers have plans with unlimited therapy sessions permitted during the year, while other providers have a cap on the amount of sessions for which they will reimburse you in a year. 

  •  Do I need a preauthorization in order to see an out-of-network mental health care provider?  

When seeing a therapist who is out-of-network, some insurance providers may require you to receive preauthorization before your first therapy session. 

Insurance and Confidentiality

An insurance provider will require a therapist to identify you as a patient and inform them of your clinical diagnosis, in order to reimburse you for treatment. Your insurance provider may also require treatment plans and session notes.


Some people choose not to involve insurance companies in their mental health care because of privacy concerns. If you have concerns, please check with your insurance provider to find out the level of transparency that they would require from a therapist, in order for your provider to reimburse you for sessions.


*If you are unsure about using your insurance, I recommend that we discuss what is best for you, before you make a decision to submit your insurance claims. 

Accepted Payment 
  • Venmo app (all credit/ debit cards)

  • Zelle Quickpay (bank to bank transfer)

  • Credit card

Venmo and Zelle 

Learn more and download apps

Please send payment to:

Amy Calmann LCSW

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