Fees & Insurance

The Short Version

Out-of-network, superbills provided, payment at booking.

The practice is out-of-network for all insurance plans. Sessions are paid for at the time of booking. After each session you'll receive an itemized superbill with the billing and diagnosis codes your insurer needs — you submit that to your plan and are reimbursed directly by them, at whatever rate your out-of-network mental health benefits allow. This is the standard model for specialized therapy practices and it is deliberately kept simple.

Why out-of-network

Two reasons, both practical. First, insurance panels require a formal diagnosis on every session, whether or not the concern actually meets the criteria for one. A lot of what men bring to sex therapy — desire discrepancy in a couple, a normal grief reaction, a first ED episode — doesn't cleanly warrant a psychiatric diagnostic label, and being on a panel forces one anyway. Staying off panels lets Paul work with what you actually have.

Second, insurance panels reimburse at rates that don't sustain the kind of specialized, fifty-minute, focused sessions this practice runs. Trying to make it work inside the reimbursement structure tends to result in shorter, more transactional sessions with less clinical depth. Out-of-network keeps the sessions the way they need to be.

How the superbill process actually goes

After each session, you get a superbill — an itemized receipt with date of service, CPT (billing) code, ICD-10 diagnosis code, amount paid, and provider licensure and NPI. You submit it to your insurer through their member portal, mobile app, or by mail depending on the plan. If your plan has out-of-network mental health benefits, they process it against your out-of-network deductible and reimburse a percentage of the session fee directly to you, usually by check or direct deposit within a few weeks.

What that percentage actually is depends entirely on your plan. Some men see 60 to 80 percent reimbursed after their out-of-network deductible is met. Others see less. The only way to know is to call the member services line on the back of your card and ask three questions: (1) do I have out-of-network outpatient mental health benefits, (2) what is my out-of-network deductible and how much of it has been met this year, and (3) what percentage of the session fee do you reimburse after the deductible.

Payment methods

Payment is collected at the time of booking through the practice's secure scheduling system. The system accepts Amex, Mastercard, Visa, Google Pay, Klarna, Link, and Affirm.

Financial hardship

If you're experiencing real financial hardship, reach out through the contact page and say so plainly. There is a limited sliding scale for cases that genuinely warrant it. It is not unlimited and not everyone will qualify, but the request will be taken seriously and answered directly, one way or the other.

Cancellations

Life happens. If you need to reschedule, let the practice know as early as you can. The specific late-cancellation and no-show policy is spelled out in the client-therapist agreement you'll sign before your first session, and it is not a gotcha; the policy exists to protect the appointment slot for you and for other clients.

Good faith estimate

Under the federal No Surprises Act, you are entitled to a good faith estimate of the expected cost of your care. That estimate is available on request and covers the typical range of what a course of therapy might cost based on session frequency and length. See the Good Faith Estimate page for the standard notice.