Fees & Payment Policies

Private Pay / Out-of-Pocket

• Intake/Diagnostic Evaluation: $250

• Individual Therapy Session: $195

Insurance

I am in-network with:

• Blue Cross Blue Shield (PPO, HMO, and Indemnity plans)

Out-of-Network:

I am considered an out-of-network (OON) provider by other insurance companies. If your insurer provides out-of-network mental health coverage, then I can provide a monthly ‘superbill’ that you may submit to your insurance company for reimbursement. In this case, you would pay the full fee for the session upfront and your insurer would reimburse you afterwards. To find out if you have out-of-network mental health coverage, keep reading below...

Know Your Coverage and Benefits

Before starting therapy, I strongly recommend that you contact your insurer to request specific information about your coverage and benefits. This is because you, not your insurance company, are ultimately responsible for full payment. To help you navigate the phone call with your insurer, here are some steps you can take:

1. Get a pen and paper ready to jot down important information during your call.

2. Locate the phone number(s) for your insurance plan on your insurance card (usually on the back of the card). Call the Behavioral Health Services number, if there is one. If not, call the Customer Service number.

   • You will be asked to provide your name, date of birth, and Subscriber ID (which can be found on your insurance card). If you are on a family member's or spouse's/partner's plan, then they are the Subscriber.

3. Verify that you have outpatient behavioral health benefits:

• Is Yun Wang, Psy.D., in-network with my plan? (If they have trouble locating me, you can give them my NPI #: 1629432877.) If not, do I have out-of-network benefits for behavioral health services? How about for teletherapy?

• Do I need pre-authorization? (If so, obtain an authorization number from your insurer as I will need the number before I meet with you.)

• Is there a session limit per calendar year?

• Do I have a copay or coinsurance? What is the amount?

• Do I have a deductible for behavioral health services? How much is it? How much of it have I met so far this year? After meeting my deductible, what percentage of care is covered?

• Do I have an out-of-pocket maximum? What is the amount?

• When did my policy coverage begin and when will it end/renew?

• How do I submit for out-of-network reimbursement? How long will it take for me to receive reimbursement?

• What is the reimbursement rate for these codes: 90791 (diagnostic evaluation), 90832 (30-minute session), 90834 (45-minute session), 90837 (60-minute session)?

Payment Policies

I accept major credit cards, like Visa, Mastercard, and American Express. All clients are required to have a major credit card on file in case of late cancellations or no-shows. If you would like to pay using an FSA/HSA card, please let me know and that can be arranged.

Late cancellations and no-shows are charged as follows:

• No-show: $195

• Late cancellation (<24 hours' notice): $195

Late cancellation fees may be waived in the following events: (1) I am able to fill the hour with another client, or (2) I am able to reschedule you to another time during that same week.

The No Surprises Act aims to protect consumers from unexpected medical bills. Beginning January 1, 2022, healthcare providers are mandated to provide patients, who are uninsured or who are insured but do not plan to use their insurance benefits to pay for healthcare services, with an estimate of the bill for non-emergency healthcare items and services. This is called a Good Faith Estimate (GFE), which is a provision under the No Surprises Act. This new regulation aims to provide transparency to consumers regarding how much they will be charged for anticipated non-emergency healthcare services before their appointment and to protect them from surprises when they receive their healthcare bill.

As a client, you have the right to...

• Receive a Good Faith Estimate for the total expected cost of non-emergency healthcare items or services. In my practice, I typically provide a GFE that projects costs 12 months out based on my rates at the time and the frequency of sessions that we mutually agree upon. This includes all regularly scheduled appointments (e.g., weekly therapy sessions) and any items or services scheduled in advance (e.g., consultations with authorized collateral contacts; fees related to preparation of reports or treatment summaries). This does not include no-shows, late cancellations, or other services related to crisis management, which are unexpected by definition and therefore cannot be predicted for the purpose of projecting costs in a GFE.

• Receive a Good Faith Estimate in writing within these specified time frames:

  • • Within one business day after the date of scheduling (not of the appointment itself) if the service is scheduled at least three business days before the appointment date.

    • Within three business days after the date of scheduling if the service is scheduled at least ten business days before the appointment date.

    • If a service is scheduled less than three business days in advance, a GFE is not required.

• Request a Good Faith Estimate before you schedule a healthcare item or service, which you will receive within three business days after the date of request.

• Dispute a bill that you receive that is at least $400 more than your Good Faith Estimate.

Please make sure to save a copy or picture of your Good Faith Estimate when you receive it.

As a client, keep in mind that...

• A Good Faith Estimate is only that: An estimate. There are a number of factors to consider when estimating how long it will take for you to complete therapy, such as the type of diagnosis/diagnoses, the severity of symptoms, your goals for therapy, etc. The actual healthcare items, services, or charges may differ or change throughout the year as life circumstances and needs may change. If there is any change to the information provided in a GFE, a new estimate will be provided no later than one business day before the appointment date. No healthcare items or services will be scheduled without your consent and you may request an updated GFE at any time.

• A Good Faith Estimate is not a binding contract. It does not obligate or require you to obtain any of the listed healthcare items or services from me at any time.

• I am required by law to send all ongoing clients new Good Faith Estimates every 12 months. There are currently no provisions in the federal regulation allowing clients to waive their right to a Good Faith Estimate. As a result, clients cannot opt out of receiving a GFE and are required to acknowledge that they have received and understood each new GFE that is furnished.

If you have more questions about Good Faith Estimates and need more guidance, you can learn more at: https://www.cms.gov/nosurprises.