Payment is due at time of service. Fees vary as to length of appointment time and modality. It is best to call me to discuss fees. After we begin to work together, there is no charge for brief phone calls between appointments; longer calls will be billed according to the hourly rate. if you anticipate difficulties with payment, please discuss your concerns with me. We can find a way to work with your budget.
As for insurance I will give you receipts so that you can file for reimbursement; most companies will pay the "out-of-network" rate for my services.