When a therapist takes insurance, they work for the insurance company first and the client second. At Fio, we value:

• Being able to collaborate with you about the type of treatment approach that will be the most helpful for you, rather than the insurance company dictating this.
• Being able to prioritize confidentiality and keep your records protected.
• You having a say about whether you receive a diagnosis or have that diagnosis on your health record.

For these reasons, I do not accept insurance. If you receive out-of-network benefits through your insurance provider, I would be happy to provide you with a superbill for reimbursement purposes. I can also receive payment from HSAs.

As an out-of-network provider, I have partnered with Mentaya to help you save money on therapy. They take the hassle out of the reimbursement process and give you back your hard earned time and money!

On average they get clients 62% back on therapy costs once their deductible is met. There is a 5% processing fee for claims, but they handle any paperwork required, deal with denials, and call insurance companies. You don’t have to worry about a thing. And they guarantee claims are successfully submitted, or a full refund of their fees.

Otherwise, if you’d rather do it yourself: out-of-network benefits are generally straightforward to use. Most insurance companies will request that you upload a monthly superbill (which I’ll generate for you), and then they will mail you a check with your reimbursement.

It’s a good idea to call the number on the back of your health insurance card listed under Member Services. You can ask them the following questions:

• Do I have out-of-network outpatient mental health coverage? Am I able to use these benefits for telehealth?
• What is my out-of-network deductible?
• How much of my deductible has been met this year?
• Do I need a referral from an in-network provider to see someone out-of-network?
• What percentage of outpatient psychotherapy sessions are covered per session?
• How much will I be reimbursed for a 60-minute psychotherapy session (CPT code: 90837)?
• How much will I be reimbursed for a 90-minute psychotherapy session (CPT code 90837 with add-on code 99354)?
• How do I submit claim forms for reimbursement?
• How long does it take for me to receive reimbursement?

We have a number of session offerings at Fio.

Typically, you’ll find providers are limited to offering 50 minute sessions. This structure is based on a medical model and influenced by the insurance system. Fortunately, the self-pay structure at Fio gives clients the freedom to choose what feels best for them.

In thousands of hours working with clients, I’ve discovered 60 minutes tends to be the sweet spot. It provides room to maximize on the therapeutic process and not rush. I’ve found this to be especially important when working through parts work (IFS) and tending to trauma.

For the folks who are slower processors or like to take their time wading through what comes up in session, our 90-minute option usually resonates.

And when life is feeling extra heavy and you need to check in between sessions, we have a 30-minute option.

60 minutes: $150
90 minutes: $225
30 minutes: $75

Please ask about reduced rates during your free consult call if that’s a need. There are a limited number of sliding scale spots, so there may not always be reduced rates available, but feel free to ask anyway!

It really just depends. Some folks prefer to meet on a short-term basis (6 months – 1 year). Others appreciate longer-term support and expand the goals they want to address along the way.

There really isn’t a simple answer for this because ultimately therapy is a relationship through which we journey together to rediscover who you are, how your unique story has shaped you, and unpack years and layers of patterns, experiences, and wounds that you’ve been carrying around with you. It’s hard to put a time stamp on something as organic as this.

Therapy is a gift you give yourself, and it’s an investment that exponentially benefits your life. However, I’m not here to manipulate anyone into something that doesn’t feel aligned for them. The duration of therapy comes down to your needs and circumstances. As such, we’ll come up with a plan together about what duration of therapy feels necessary given the work you’re hoping to do, but that also feels most beneficial to you.

Most people find benefit in attending weekly or bi-weekly therapy. We’ll explore what makes the most sense for your unique life circumstances. In most cases, I do generally recommend meeting more frequently at the beginning (i.e., weekly, bi-weekly) and then scaling back as needed. This gives us the chance to build momentum and trust, and start taking steps toward getting you the relief you’ve been craving.

If you decide to pursue therapy at Fio after your free consult call, we’ll schedule sessions at whatever pace feels good to you. Many clients start with a weekly rhythm and scale back to every other week as they go. This helps to establish our therapeutic connection and for you to build momentum at the beginning.

The first several sessions will consist of us continuing to get to know each other and build trust. We’ll review parts of your story that are important to the healing work you’re pursuing.

Along the way, we’ll check in often about how therapy is feeling, what resonates or doesn’t, and any adjustments that can be made to enhance your experience.

No matter where we’re at in our work together, you always have the final say on what we do or do not explore. Your voice matters the most in this process.

We chat about what’s going on in your life that you need support around, what you can expect from our work together, any questions you’re curious about, and all things logistics if you decide working together feels like the right next step.

20 minutes isn’t very long, and there’s a lot of ground to cover in a short time. So as you can imagine, intro calls are not mini-therapy sessions. We talk at a pretty high-level about what you’re navigating. It doesn’t mean I don’t care about the nuances and details, it’s actually the opposite: I care so much that I believe the details of your story deserve the safety and containment of a therapy session with someone you’re building trust with.

Do you have to make a decision during the call? Nope! You can take some time to think it over and decide when you’re ready.

This is a zero-obligation call. If Fio feels like the right fit for you, we’ll schedule your first appointment as soon as you’re ready. If it doesn’t feel like the right fit, I can provide referrals for other therapists who might better align with the work you’re hoping to do.

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor other health care provider, you may owe certain out-of-pocket costs, such as copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.

“Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.

“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in- network facility butare unexpectedly treated by an out-of-network provider.

You are protected from balance billing for:
Emergency services: If you have an emergency medical condition and get emergency services from an out-of- network provider or facility, the most the provider or facility may bill you is your plan’s in- network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.

Certain services at an in-network hospital or ambulatory surgical center: When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed.

If you get other services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections.

You’re never required to give up your protections from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.

When balance billing isn’t allowed, you also have the following protections:

• You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities.
• Your health plan generally must:
  • Cover emergency services without requiring you to get approval for services in advance(prior authorization).
  • Cover emergency services by out-of-network providers.
  • Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
  • Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.

If you believe you’ve been wrongly billed, you may contact 800-368-1019. Visit www.cms.go/nosurpises for more information about your rights under federal law.

Virtual therapy offers many of the same benefits as in-person therapy but without the hassle of traffic or getting a babysitter or rearranging your schedule. For many, it provides the convenience, comfort, and accessibility that in-person therapy may not. Fio is happy to provide an option for you to engage your story from the safety of your home. Our virtual sessions will take place through a secure, confidential video conferencing platform.

I take a holistic approach to therapy because I believe the mind, body, and soul are all connected. I pull from Internal Family Systems (IFS) therapy, Attachment theory, Polyvagal theory and Interpersonal Neurobiology, and Accelerated Experiential Dynamic Psychotherapy (AEDP). I’d be happy to share more about how these modalities may influence our work together during your free consult call.

My availability varies, but the basic parameters are Monday – Thursday from 8am – 6pm.

I’m currently offering virtual therapy via a secure telehealth platform for folks living in Colorado.

You can either schedule one session at a time or establish a standing appointment. There’s freedom to find meeting times that work with your schedule and lifestyle.

Sometimes when we open up things that have been closed or compartmentalized for awhile, we can experience a rush of emotions that we didn’t feel before. Because of that, it is possible that you may feel more tender at first or experience moments of overwhelm when first starting therapy. This is a common experience. However, I check in regularly during sessions and from one session to the next to see how you’re doing. I invite you to let me know if you are feeling overloaded, as your sense of safety is my number one priority. Together, we’ll find a pace that aligns best for you.

Alternatively, many folks start experiencing relief and positive shifts after their first session. Often when we’re able to share held stories and feelings that have been trapped or bogging us down, and attend to our bodies in healing ways, we experience a newfound sense of connection, hope, and settling.

No matter what your unique reaction is to therapy, I want to know and support you along the way!