Payment and Insurance

My fee is $215 for a 45-minute individual session. In a limited number of cases, I may offer a “sliding scale,” though such an arrangement would be agreed upon following an assessment about an individual’s financial need and available resources.

Payment can be made by cash (in person), check or money order (in person or by mail to my office address), or through the use of the Cash App ($kaerensacraft) or PayPal (kaerensa@kaerensacraft.com). If using Paypal, please add 30 cents and 2.9% of the bill’s total to cover Paypal’s applicable fees.

Cancellation Policy

Upon agreeing to meet at a regular day and time each week, I ask patients to maintain financial responsibility for the session times, whether attended or not. This includes for planned absences discussed in advance, as well as unforeseen absences (e.g., illness).

If you know in advance that you won’t be able to attend, and would like to try to reschedule the time, I will be happy to offer you whatever other times I may have available. However, I can’t guarantee that I will have another time available, or that I will have a time that works for your schedule. (I can offer phone sessions and/or online video sessions, either at the time of your session or for a rescheduled time, if you cannot attend in person.)

For patients utilizing insurance to help pay for treatment, please be advised that I am not allowed to bill insurance companies for missed or canceled sessions. If you are unable to attend a session and we cannot find an alternative time, you will be responsible for the cost of the session, including your co-payment and the insurance payment. (If you don’t know the amount of the insurance payment, please check with me.)

Insurance

I currently accept Oxford, United HealthCare, United Behavioral Health, Optum and OSCAR.

For all other insurance plans, I am an “out-of-network” provider, which means that your insurance plan needs to include out-of-network mental health benefits (also referred to as “behavioral health” benefits) to be applied to my services.  (Please note that some plans require initial authorization for treatment from your insurance company.  You may also be required to obtain periodic re-authorization. You should ask about this when you call to check your benefits, and to ask for initial authorization if that’s required.)

QUESTIONS TO ASK YOUR INSURANCE REPRESENTATIVE
  1. Do I have out-of-network benefits?
  2. What is the cost of my deductible before my plan starts paying on out-of-network services?
  3. Is my deductible for mental health/behavioral health separate from my deductible for physical health, or is the deductible combined?
  4. Do I have an in-network deductible as well, and if so, does that count toward my out-of-network deductible?
  5. How much of my deductible has already been met?
  6. What is my out-of-pocket maximum, and does my deductible count toward the out-of-pocket maximum?
  7. a. Does my plan reimburse a flat rate for out-of-network services, or is it a percentage of the provider’s fees? (If a flat rate, what is the amount? If a percentage, what is the percentage?)
    b. If my plan reimburses at the "Usual-and-Customary" rate, up to what amount is allowed? (The insurance representative may ask for the following in order to tell you if your plan covers it: The procedure code, also known as the CPT code, is 90834 for individual therapy, and 90847 for family therapy. The provider's fee: $215. The provider's licensure: LCSW. The provider's National Provider ID (NPI): 172-010-3807. The Place of Service code: 11. The zip code: 10010.)
  8. Does my plan require pre-authorization? (If yes, you should request authorization at this time. If needed, my National Provider ID (NPI) number is 172-010-3807. The procedure or CPT code for a 45-minute individual psychotherapy session is 90834.)
  9. Does my plan require periodic re-authorization? (If yes, you should ask how many visits the initial authorization covers so that you will know when to request re-authorization for additional visits.)
  10. Where do I need to send claims for reimbursement?
Is your approach brief or long-term?

I offer both short and long-term treatment, depending on your interests and needs. Shorter-term work usually focuses on a particular issue of concern (for example, reducing drinking). It is typically more structured to include discussion of new concepts, completion of exercises to identify maladaptive thought patterns, practicing new skills in sessions, and thinking about how to apply these in your life. Longer-term work is much less structured, and time is usually spent exploring all aspects of your life and the things that are most on your mind. Longer-term work may include some of the same types of exercises utilized in short-term treatment, but is more focused on the “bigger picture.” Though primarily focusing on the here-and-now, longer term work also usually includes discussion about the past to explore its influence on the present.

 

I offer both short and long-term treatment, depending on your interests and needs. Shorter-term work usually focuses on a particular issue of concern (for example, reducing drinking). It is typically more structured to include discussion of new concepts, completion of exercises to identify maladaptive thought patterns, practicing new skills in sessions, and thinking about how to apply these in your life. Longer-term work is much less structured, and time is usually spent exploring all aspects of your life and the things that are most on your mind. Longer-term work may include some of the same types of exercises utilized in short-term treatment, but is more focused on the “bigger picture.” Though primarily focusing on the here-and-now, longer term work also usually includes discussion about the past to explore its influence on the present.

"How long does treatment typically last?"

The duration of treatment is individually tailored to the needs of each client. Typically, though, shorter-term work entails 10-20 sessions. Longer-term work tends to be more open-ended, as it is oriented toward broader concerns in life, though clients often commit to at least a year.

"How often would we meet?"

Frequency of sessions is based on the needs of each client, and this is something we would decide upon together, based on my recommendations and your interests and needs. For shorter-term work, once a week is standard, and provides the chance to practice new strategies and skills in between sessions. Longer-term treatment can also include once weekly sessions, though many people find it to be a richer experience with meeting two to three times per week.

"How long are sessions?"

Length of sessions tends to be 45 minutes, though longer sessions can be arranged.

"Can I bring someone to my sessions?"
My general focus is working with individuals, however, in some cases, clients may elect to have significant others join some sessions or meet with me individually. This is something we would plan and discuss in advance.

How long does treatment typically last?

The duration of treatment is individually tailored to the needs of each client. Typically, though, shorter-term work entails 10-20 sessions. Longer-term work tends to be more open-ended, as it is oriented toward broader concerns in life, though clients often commit to at least a year.

How often would we meet?

Frequency of sessions is based on the needs of each client, and this is something we would decide upon together, based on my recommendations and your interests and needs. For shorter-term work, once a week is standard, and provides the chance to practice new strategies and skills in between sessions. Longer-term treatment can also include once weekly sessions, though many people find it to be a richer experience with meeting two to three times per week.

How long are sessions?

Length of sessions tends to be 45 minutes, though longer sessions can be arranged.

Can I bring someone to my sessions?

My general focus is working with individuals, however, in some cases, clients may elect to have significant others join some sessions or meet with me individually. This is something we would plan and discuss in advance.