$125 per 50-minute session
Clinical Supervision Rate
$150.00 for 2 Hour Session
How I Determined My Hourly Rate
The average cost for therapy per hour is between $75-$150. Some therapists may charge far more than that. I determined my hourly rate based on my credentials, the number of clients that I can reasonably see per week, the costs associated with operating and upkeep of my office, and a reasonable expectation to make a modest living.
Why I DO NOT Accept Insurance
When I first went into Private Practice, I started accepting insurance for 2 primary reasons: 1) Insurance companies list me on their websites as an In Network Provider as a way of generating more business and 2) to provide for savings for potential clients. What I didn’t realize at the time was the enormous costs to me as a provider. The Insurance Company determines the rate of reimbursement paid to me, and this rate was sometimes less than half of my $125 fee. In order to maintain a relationship with insurance companies, I had to agree to their fee schedule for reimbursement. To make up for these lower fees, I had to see twice as many patients and had additional paperwork, administrative costs and wait times in order to get paid. This had a profound impact on the quality of care that I provide.
I also had experiences in which the Insurance Company would limit how often I could see a client, for how long, and what diagnoses were acceptable for me to be paid. I was conflicted about insurers dictating how I provided treatment and refused to do anything that would impact the quality of care I provide.
I ceased doing business with Insurance Companies in March of 2017.
I am now considered an "out of network provider." This means that you are responsible for paying me directly and then seeking reimbursement from your insurance provider. I can provide you with a professional receipt (often referred to as a "superbill") indicating the procedure performed that meets your insurance company's requirements.
PLEASE NOTE: Some insurance companies will require a Diagnosis Code in addition to the Procedure Code on the receipt for reimbursement. Services may vary depending on the nature of your insurance policy. Please check your coverage carefully by calling your Insurance Carrier (Phone number on the back of your insurance card) or Employee Benefit Specialist and asking the following questions:
- Do I have mental health insurance benefits?
- What is my deductible and has it been met?
- What is the coverage amount per therapy session with an out of network provider?
- What are my out of pocket costs associated with an office visit?
- How many sessions per year does my health insurance cover?
- What is the difference in coverage if I use an In Network Provider or an Out of Network Provider?
- Is approval required from my primary care physician?
Reduced fee services are available on a limited basis for persons who can illustrate financial difficulty. Please contact the office for more information.
Payment is due in full at the time of the session and is payable by CASH, CHECK and all major credit cards (via PayPal.)
When you schedule an appointment, I am no longer able to provide services to anyone else. For that reason, if you miss your scheduled therapy appointment, and you have not notified the office at least 24 hours in advance, you will be charged $60.00. Please see the attached Cancellation Policy for important information about missing appointments. Thank you for your consideration and understanding.
To Contact Dr. Nines or request a therapy appointment online, click here.
OUT OF NETWORK Claim Forms
For your convenience, I have included claim forms from Major Insurance Providers that you can download, complete and print out to submit your claim for possible reimbursement. Please note that Joseph L. Nines takes no responsibility for the accuracy, revisions or determinations of claims by your insurance company.
- HighMark Blue Cross Blue Shield
- IBX PPO Out of Network
- Personal Choice
- United Health
Note: To download Adobe Acrobat Reader for free, click here.