Insurance & Fees

I accept the following:




While the administrative staff will check your insurance, it is your responsibility to review your policy and confirm your coverage to determine what therapy services are covered.  

If I am not in your network, I accept direct pay, or I can provide you with a superbill for you to submit to your health insurance company to receive out-of-network reimbursement. Please be verify your out-of-network coverage, as you may only receive partial reimbursement. 

Payment or co-payment is due at time of service by cash, check, credit card, or HSA. 

Direct Pay

Paying for psychotherapy out of pocket minimizes the exposure of your protected health information (PHI). Whenever you use your insurance benefits to cover therapy, you agree to release certain type of information to the insurance carrier in order to a) verify your eligibility for coverage, b) pre-authorize services (if applicable), and c) to process claims to obtain payment. As the result, I inform the insurance carrier of such private information such as the nature of the issues you struggle with (presenting problem), psychiatric diagnosis, your treatment plan and prognosis. With direct pay, your therapy remains completely private (with the exceptions to confidentiality such as in the event of harm to self or others, etc.) and there is no session limit determined by a third party. 

Direct pay allows you to have control over your treatment. For instance, more intense (2x week) or longer-term therapy may not be covered by insurance because it may not be viewed as "medically necessary," although beneficial. Direct pay allows you to also determine the therapist of your choice instead of having to choose from in-network providers. Additionally, out of pocket medical expenses can also be tax deductible.




(716) 634-1184

©2018 by Dr. Heather Watson - Watson Psychological Services, PLLC.