• OCD • ANXIETY • TICS • PTSD • STRESS • SPECIALIZED TREATMENT

Finances

Session Duration

Typically, a "therapy hour" spans 45-50 minutes; however, some exposure therapy sessions are 60-90 minutes.

Session Frequency

OCD Initial Assessment:  1-2 hours

Other Initial Assessment:  1 hour


Traditional Outpatient:  1 hour weekly

Intensive Outpatient: 2-3 hours weekly

Hourly Rate

Self-Pay Fee per *45-50min therapy session hour:  $130**


Consider the investment you are making in your mental health, as you would your physical health. Mental conditions can be quite impairing and if ignored, will likely worsen.  With your health and resources in mind, the therapy approaches for conditions treated by Allay OCD are not only the most effective therapeutic treatments, but they are considered short-term relative to other approaches; therefore, patients receive the most cost-effective care in the long-run.


*Therapy session hours are typically 45-50 minutes; however, at times exposures may require 60+ minutes.

**If you cannot afford this fee, please inquire with Dr. Curiel if she has any available reduced fee slots (they are limited).

Cancelation Fees

Per your intake paperwork, you will sign a  form stating you agree to provide a 24 hour notice when you cancel an appointment; otherwise, a 50% cancelation fee will be charged.  In the event of an emergency, this fee will be waived.

Payment Options

Check made to Allay OCD, LLC


Ivy Pay (HIPAA compliant electronic merchant system)

-Links your debit, credit, HSA/FSA

-Dr. Curiel will prompt the app to send your cell phone a link to set up your account and you can store your payment method there

-Dr. Curiel will then charge your Ivy Pay account for sessions and cancelation fees


Please no cash payment

Insurance

DID YOU KNOW THAT IT IS YOUR RIGHT TO OBTAIN APPROPRIATE TREATMENT BY PROPERLY TRAINED PROVIDERS FOR YOUR CONDITION AND THAT INSURANCE COMPANIES MUST SUPPORT THIS?

Therapist training should not end with a general, clinical graduate degree; some issues and conditions are not taught in-depth in school (likely because there are so. many to. learn) and even less often are specialty treatments offered as part of the curriculum.  Best practice is to obtain additional post-graduate training for competency (particularly for many of the conditions Dr. Curiel treats). Yet, this standard is not regulated well and, often, there is no accountability.  Dr. Curiel takes best practice seriously and invests greatly each year to acquire and maintain competency.  Because of the above issue, there is an epidemic within the field of mental health where not all therapists are properly trained to treat the patients they are accepting.  Insurance companies may not know that this is. a problem and may try to require you to see someone who signed onto their panel based on the therapist's word of what they treat.  This article is for OCD, but still applies for other conditions.

http://www.wsps.info/index.php?option=com_content&view=article&id=61:fight-for-your-rights-getting-insurance-to-pay-for-an-ocd-specialist&catid=0:


Insurance does not cover any sessions longer than 52 minutes (other than PE for PTSD).  For this reason among others (e.g. limiting number of approved sessions, dropping coverage in the middle of a treatment episode, requiring disclosure of notes), many OCD specialists do not accept insurance.  


OPTION 1

Dr. Curiel does not accept insurance or bill in-network or out-of-network, but can provide you with a superbill that you can independently submit to request reimbursement from your insurance company.  Some patients have been successful in obtaining full or partial reimbursement from insurance from the following insurers*:

Cerner Health Plans

Blue Cross Blue Shield of Kansas

Blue Shield of California

*The above list does not guarantee you will be reimbursed by your insurance company.  It is approved on a case by case basis.  Having met your deductible may make a difference.


It is the responsibility of the patient (or guardian) to obtain insurance pre-approval and submit superbills.  It is suggested you obtain your insurance representative's name or ID number, date and time of correspondence, and a written agreement.  


OPTION 2

Additionally, Dr. Curiel is willing to help advocate on your behalf to arrange a single case agreement between you and your insurance company (not between the psychologist and the insurance company which is sometimes done).  If reimbursed, the amount may vary by case.  Up front, Dr. Curiel can provide phone correspondence, education to your insurer, and a letter for free (these steps may be carry more weight if an assessment has been at least completed so diagnosis is established).  You may have to make the initial inquiry independently or sign a release of information for Dr. Curiel to speak with the insurance company.  It is important that you are able to explain why you are going out of network:

  • Are seeking a SPECIALIST
  • Who is TRAINED to treat _______ disorder/issue
  • With _______ therapy, the GOLD-STANDARD TREATMENT (most effective)
  • Which is also an EVIDENCED-BASED TREATMENT that is SHORT-TERM compared to other therapies
  • This SAVES time, MONEY, and resources
  • Reduces symptoms FASTER
  • Dr. Curiel's specialist fee is relatively lower for this area (approximately $30-40 less an hour)
  • Superbills will be provided by Dr. Curiel


The insurance company might say they have a certain number of therapists who treat _____ disorder/issue on their provider panel; however, there is no monitoring or regulation of therapists' specified training in evidence-based treatments by insurance companies.  They may ask you to call those providers first, and you may have to do so in order to prove that you need to go out of network.  When you call providers, be sure to ask questions about their knowledge of the condition and training in the gold-standard treatment.  If they are confused or defensive, that may be a sign that they are willing to treat a condition with whatever therapy approach they feel comfortable with, not the most effective.  At that point, you can say to your insurer that:

  • You have called the in-network providers on the panel that said they treat ______ and they did not offer _____ treatment
  • Reiterate your right to proper care by a TRAINED therapist (Dr. Curiel is willing to share information to help you demonstrate gold-standard treatments and evidenced-based treatments)

It is suggested you obtain your insurance representative's name or ID number, date and time of correspondence, and a written agreement.  


This process may be an extra step; however, if you need the financial support, it could be worth the investment to get the right care with your delicate resources.  It could mean the difference between improving in a matter of months versus years of suffering through an. ineffective treatment.