Tatiana Garcia, lpC

Fees & Insurance

I am an out-of-network provider.  Many of my clients receive reimbursement for each session depending on their insurance plan.  I can help you understand your insurance benefits, along with how to submit claims to your insurance provider so you can be reimbursed for sessions.

What is an out-of-network provider?

This means that you will pay me directly for services and I can provide you with documentation to obtain reimbursement if you have out-of-network benefits.

It is important that you get answers to the following questions from your insurance provider prior to our first session in order to fully understand what your costs will be.

Prior to the initial session, please call the number on the back of your insurance card and ask the following questions:

  • Does my plan cover mental health services?

  • What is the rate of reimbursement for an out-of-network provider (i.e., what is the co-insurance rate)?

  • What is the amount of my out-of-network deductible?

  • How much remains to meet my deductible for the year? When does it reset?

  • Is pre-authorization needed for mental health services (specifically, for initial evaluation and individual therapy)?

  • Is there a yearly session limit?

Using your out-of-network insurance benefits with me:

  • Because I do not accept your insurance benefits directly, you will pay the full fee for each session at the time of service.

  • I will provide you with documentation to obtain reimbursement from your insurance provider (a superbill). They will then reimburse you directly.

  • You will receive an “Explanation of Benefits” (EOB) from your insurance company.

  • If you remain in treatment until the time that your deductible resets (usually January 1 of each year), you will again need to satisfy your deductible in order to use your insurance benefits.

  • If you are billed for a missed session (session missed or cancelled within 24 hours of appointment), a claim will not be submitted to your insurance as insurance does not pay for missed sessions. You will be personally responsible for the full fee.

Please contact me if you have any questions about this information. I am happy to help you get any reimbursement that is available to you.


My session fees are as follows:

  • Initial intake session (60 minutes): $170
  • 45-minute session: $145

Typically we will meet for one 60-minute initial session and then meet for 45 minute sessions once weekly.  Then we can discuss decreasing sessions to every other week or once monthly depending on your progress

I can provide you with documentation to obtain reimbursement if you have out-of-network benefits.

I accept credit, debit, and HSA/FSA cards for payment at the time of service.

You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost.

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

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services.

You can ask your health care provider, and any other provider you choose, 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. Make sure to save a copy or picture of your Good Faith Estimate.

For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.


Your journey begins here.

You don’t have to do this on your own.  Schedule a free 15-minute consultation call now so you can start the path towards healing and relief.