FAQS

I am in-network with Aetna.

I am an out-of-network provider for every other insurance. This means you may be able to use out-of-network benefits.

If there is a PPO are on your insurance card, your insurance plan may provide coverage for out-of-network services. If so, most of my services meet requirements to provide you with a receipt to submit for reimbursement. I am happy to talk with you more about this option. Please see the FAQ regarding OON benefits.

If you look on your health insurance card and see a PPO listed, it means you have out of network (OON) benefits. This is great! This means you will pay for the sessions up front. I will then give you a monthly superbill to submit to your insurance for reimbursement for a percentage of the cost. The percentage is based on your insurance.

Please see the quick guide for using out of network benefits below.

Quick Guide to Exploring Your Out of Network Benefits

Questions to Ask Your Insurance Company:

1. Do I have out of network benefits for mental health/behavioral health?

2. Can my out of network benefits be used for telehealth (opt out on this question if in-person therapy)?

3. What is my out of network deductible?

4. Is that separate from my In Network deductible?

5. How much of my deductible has already been met?

6. What is my co-pay or co-insurance after the deductible has been met?

7. What are the reasonable and customary reimbursement rates for the following CPT codes:

a. 90791 (intake session)

b. 90837 (individual 53-60 minutes)

c. 90834 (individual 45 minutes)

8. How many visits are allowed per year?

9. What do I need to do in order to submit for reimbursement? Where do I send the superbill?

10. How long does it typically take to receive the reimbursement?

11. During the call obtain a:

-Reference number for the call:

-Write down date of call:

-Customer service representatives' name:

This information can help future customer service folks find the information for the call since they are recorded.

Heads Up: They might ask all sorts of questions about the therapy you are seeking (e.g. the therapist’s NPI number, CPT codes, diagnosis codes, etc.)- they don't need all of this information right now- when you’re ready to submit for reimbursement all the information they need will be on the superbill that I will send you. I send super bills out once a month to clients.

Another heads up: When you are ready to submit the superbill, you will be asked if you want the reimbursement check sent to your address or to your provider. It is important that you have the reimbursement sent to you and not me (your provider).

Final Note/Acknowledgement: Your insurance coverage and any reimbursement is a contract between you and your insurance company. The above is only a general recommendation and Molly McCarthy, LMHC is not responsible for any coverage or reimbursement.

Molly McCarthy, LMHC has no obligation to interact with any insurance company and will not interact with insurance companies on your behalf.

This form is a guide but is not intended to be a commitment to services with Molly McCarthy, LMHC.

$200 for a 45-55 minute session.

I am licensed in the state of Massachusetts and Rhode Island.

For virtual sessions, I can work with anyone in Massachusetts or Rhode Island.

My office for in-person sessions is in Westborough, Ma.

I use a HIPPA compliant electronic health record system. You will receive a zoom link that is HIPPA compliant.

I ask that each client is in a private, quiet space to be able to fully get the most out of therapy and to protect their privacy.

Yes! My office is in Westborough, MA.

During the first appointment, we will go over practice policies so that you can ask any questions you have. We will then go over your intake paperwork and get really clear on what your goals are in therapy.

I have a 48-hour cancellation policy. If you need to cancel your session within 48 hours, you will be charged the normal full fee (not the co-pay as insurance does not cover late cancellations).

I typically meet with clients on a weekly basis, as I find it has a significant impact on helping clients reach their goals, as well as keeping momentum with relational, depth-oriented therapy.

If a client is meeting their goals and starting to transition out of therapy, we may meet biweekly to support them in this process.

My clients have a recurring scheduled day and time that we meet and can count on.

I am unable to provide services after hours. If you are having an emergency, or feel as if you cannot keep yourself safe, please call 911 or go to your nearest emergency room. You may also call or text 988 to reach the National Suicide Prevention Lifeline.

Under the law, health care providers need to give patients who don’t have insurance, who are not using insurance, or are using out-of-network benefits for services, an estimate of the expected charges for medical services, including psychotherapy services.

You have the right to receive a “Good Faith Estimate” explaining how much your mental health care will cost. You can ask for a Good Faith Estimate before you schedule a service. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.

Yes! I often support students of self-growth and healing. Please reach out!