Medical Insurance:

I do not participate directly with any insurance plans because I don’t have time to manage the paperwork, phone calls, and lengthy battles with insurance companies that are required to receive reimbursement.  You will receive an invoice at the end of treatment containing the amount paid and codes required by insurance companies for out-of-network reimbursement.  You may then submit your invoices directly to your insurance company, along with any form that your insurance company requires for reimbursement.  Insurance companies vary in the extent to which they will reimburse teletherapy visits.  They also vary in the extent to which they will reimburse out-of-network services.  If you plan to submit your invoices for reimbursement, I recommend contacting your insurance company prior to scheduling treatment with me to find out how much reimbursement you are likely to receive.  Most insurance companies will not reimburse more than one hour of psychotherapy (billing code 90837) per day.  If you were to work with me for at least 3 hours per day and at least 3 days per week, our work together would qualify as intensive outpatient treatment (per diem billing codes S9480/0905), which might get you better reimbursement.  If your insurance company offers poor out-of-network reimbursement, you could inquire whether they could offer you in-network reimbursement based on the fact that the sort of services I provide (personalized intensive specialty treatment for anxiety) are not available in-network.  I would be happy to complete any forms or write any letters they might require of me to make this case.

Medicare:

I have opted out of Medicare.  You can still see me if you have Medicare insurance; however, I will ask you to sign a private contract with me agreeing that you will not submit your invoices from our sessions to Medicare for reimbursement.  If you have a non-Medi-Gap insurance policy that is secondary to Medicare, you may be able to file for reimbursement from this other insurance as if it were primary.  If you choose to do so, you will need to attach a note when you submit your claims, explaining that I have opted out of Medicare, so that your other insurance should be considered primary for my services.  I would be happy to provide you with a copy of my Medicare Opt-Out Affidavit, if your insurance company requires this.

Payment:

Payment for the initial evaluation is due immediately upon scheduling your treatment.  Payment for each subsequent therapy session is due one full business day prior to the session.  Payment can be made by check, Zelle, credit card, or bank transfer. Please note that there is a 3% fee for use of credit card and 1% fee for bank transfer.  There are no fees associated with Zelle payments.  If you choose to pay by Zelle, you can direct payments to me using my phone number: 443-761-4265.  Checks should be made payable to “Amy Huberman, MD” and mailed to my office address: P.O. Box #15007, Pikesville, MD, 21282.  There will be a processing fee for returned checks.

Cancellations:

Because I reserve hours or even weeks at a time for our work together, I ask that you give me a full week’s notice if you choose to cancel the entire treatment.  If you cancel at least one week in advance, you will receive a full refund.  Otherwise, unless I’m able to fit another patient in on short notice, you will be financially responsible for the time I have reserved for you.  If you must cancel due to unforeseen circumstances such as sickness or death in the family, you are welcome to reschedule our work together for a later date, at no additional cost to you.

Fee Schedule:

• 30-Minute Video Screening: Free
• Initial 2-Hour Evaluation: $600.00
• Hourly Rate for Treatment following Initial Evaluation: $250.00

 

30-Minute Video Screening:

During this 30-minute screening, you and I will have an opportunity to determine whether the intensive treatment approach that I offer is a good fit for you.  If we do choose to work together, we will also agree on the amount of time it makes sense to reserve for our work together.  You can then reserve specific times to meet with me.

You can request a 30-minute video screening here. Please note that if I am on vacation when you send a request, I will not respond until I return from vacation, so you may not hear back from me for up to a couple weeks.

Initial Evaluation:

The initial evaluation is a 2-hour session.  During this session, we will review your history, identify and explore the specific problems with which you’d like some help, and plan our intensive work together.  In the event that either you or I discover during the initial evaluation that my approach is not a good fit for you after all, you will be refunded fully for any payments beyond the cost of the initial evaluation.  I will also provide you with referrals to providers whom I believe would be a better fit for you.  With your consent, I would be happy to provide them with a copy of my evaluation.

Subsequent Treatment Sessions:

After the initial evaluation, our time will be devoted to addressing the specific problems with which you’d like my help.  We will employ a variety of methods in our work together, as a single method is rarely sufficient for full recovery.  I’m excited to offer feedback-informed psychotherapy, meaning that I will be collecting data from you before and after each of our treatment sessions to let us know whether our work together is on the right track.  This allows me to tailor the treatment to you, making it more effective and more rewarding.

Total Duration of the Treatment:

This will vary, depending on the nature of your specific struggles and your specific goals for treatment.  The duration of the treatment may be as brief as 3 hours.  For more complex problems, a total of 12 to 20 hours is typically required in order to make a meaningful difference to you.  These 12 to 20 hours can be packed into a single week or spread out over 4 or 5 weeks.