Espinoza Therapy PLLC
Therapy for your relationship and sex life
Insurance
Insurance
We do not participate in any private insurance plans. However, in many cases, insurance companies will pay for 50-80% of the cost of therapy through out-of-network benefits. We can help you understand your benefits so that therapy is more affordable for you. We can provide documentation for you to submit to your insurance company for out-of-network reimbursement.
To find out what your out-of-network benefits are, call the number on the back of your insurance card and ask the following questions:
-
Do I have benefits for out-of-network psychotherapy?
-
Is there a deductible? How much have I reached? When does the deductible reset (usually it is January 1)?
-
What are the out-of-network benefits for CPT codes 90791 (initial assessment), 90834 (individual psychotherapy), 90837 (individual psychotherapy), and 90847 (conjoint/family therapy)?
-
Do I have coverage for therapy via teletherapy (video or phone), with the modifier code 95? This is usually indicated on your receipt or claim by adding "95" to the billing code, i.e. 90834-95 is for an individual session via teletherapy.
-
Do I need any pre-authorization to receive these services out-of-network?
-
Can I submit claims electronically? How long does it take to process?
For insurance purposes, our billing zip code (business address) is 20009. Camille Espinoza is a clinical social worker in MD, VA, DC and MA. Alexis Logan is a supervisee in social work in Virginia, and practices under supervision from Camille.
Please note that to receive out-of-network insurance benefits, you will have to meet the criteria for a mental health diagnosis (such as anxiety, depression, etc.) and this diagnosis will become part of your medical record. Please feel free to discuss any concerns with your therapist.
For a quick estimate of your out-of-network reimbursement, please use the benefits calculator. Note that this is an estimate, and does not guarantee any benefits. To use this, click on the calculator and scroll down to enter your information.