Fees and Insurance

Check, cash or credit card are accepted.  I can keep your card on file and bill automatically for sessions. Payment is due at each session.

Most people like to get the payment out of the way at the start of each session, rather than at the end. The end of the session can be rushed, and after inner work most people don’t want to fuss with making a payment.

Insurance

I collect payment directly from you as we go along.  

Your insurance is a contract between you and the company, and  I do not accept liability for mis-communication between your insurance carrier and myself or yourself, or their refusal to pay for services.   As a courtesy I can call them and help you figure out what they might pay, and I can prepare and submit claim forms for the company to reimburse you for what you have paid me.   You will always receive a copy of any form I submit to insurance on your behalf, and you are responsible for reviewing it to check for any errors.  If the insurance company does not pay because of errors in how the forms are prepared and submitted, you are still responsible for paying the full fee.

Please be aware that I am not a “provider” on any HMO,  PPO, or “network” (except Workman’s Comp and Victims of Crime). This means you will be re-imbursed  by the company at the “out of network” level, which is often less than the “in-network” level.  Typically this is less than my fee.  With very few exceptions I do not “take assignment” from insurance companies. This means  the company will send checks directly to you for your claims – not to me.

To find a psychologist who is in your plan’s HMO or PPO ask your carrier or use the therapist finder at Psychology Today or San Diego Psychological Association.

John McConnell, PhD

Fee for 50-minute Individual therapy sessions.

  • Before 5:00pm: $150 for per session.
  • After 5:00pm and Saturdays: $170 per session.

Fee for 75-minute Couples sessions. (After couples therapy is underway sessions can often be shortened to 50″.)

  • Before 5:00pm: $225 for each 75-minute session per session.
  • After 5:00pm and Saturdays:  $255 for each 75-minute per session.

At the start of the each calendar year rates are reviewed and usually adjusted somewhat upwards, so over time hour rate may increase.

James DiGloria, Intern

  • Marriage and Family Therapy Intern MFTi95541.
  • $100 for the first session (50 minutes)
  • $120 / session for all sessions after the first one.
  • A limited number of hours set aside for clients at a reduced fee.
  • Available Fridays and some Saturdays by appointment.

Late-Cancellation/No-Show Policy

You will be charged the full cost of sessions which you do not cancel at least 24 hours in advance.

Exceptions are made in cases of extreme emergency (flight cancellations, hospitalization, etc.)

If The Fee is Too Expensive

If our fee is too expensive then let’s discuss this over the phone before the first session.

Several options may be available, including: fewer sessions per month; shorter sessions; group sessions, a reduced fee (rarely), or referral to another practitioner.

If a reduced fee is agreed upon, it will be adjusted upwards if your financial situation improves.

Good sources for providers with lower fees are Psychology Today and the San Diego Psychological Association.

Group Therapy Fees

Fee for Group Therapy when I’m running a group – which I’m not at the moment:

  • $40 per person for 90″ of  group.
  • $150 for the individual evaluation session required prior to joining the group.

More on Insurance

Claim Forms

I will prepare standard insurance claim forms for you.  You can submit the form or if you prefer  I can submit it to them directly.  You will always receive a copy of any form I submit to insurance on your behalf, and you are responsible for reviewing it to check for any errors.  If the insurance company does not pay because of errors in how the forms are prepared and submitted, you are still responsible for paying the full fee.  Thus, your error checking of the forms is important.

Why I don’t Collect Directly from  Insurance Companies or participate in PPOs and HMOs.  

Insurance companies often will expect you make a co-pay which is either a set amount (for example $20.00) or a percentage of what they consider the “usual and customary fee.”  Their “usual and customary fee” may be less than my rate or the rate of most senior clinicians.  For example they may  pay 60% of what they consider a “usual and customary fee” of $120.00.  This would amount to insurance covering $72/session.

The reasons for avoiding “being in the middle” between you and your insurance company  are simple:

  • It is a time-consuming hassle.
  • It is often difficult to figure out what they pay for what service.
  • Sometimes insurance companies have hidden clauses, are unclear in what they say,  or there may be honest mistakes in communication.
  • Sometimes there is a post-treatment review and a “claw back” of payments made if the company disagrees with the treatment or how it was billed.
  • They will sometimes deny payment for reasons that are difficult to predict.
  • Expectations set by insurance companies may be unrealistic.  For example, when an insurance company tells a client “we only cover this condition for 12 sessions” it may give the impression that the condition “should be cured” in 12 sessions.
  • Some insurance policies require the therapist to submit treatment plans or progress notes before they will authorize or pay for services.  This is time consuming, and the review is often made by a clinician with less experience than myself.  I do not do submit treatment plans nor progress reports to insurance companies.
  • Insurance companies make a deal with therapists that if they provide clients to the therapist then the therapist will accept a lower rate than their standard fee.  The difference is the company’s profit and management expenses.
  • I believe therapy is best a contract between you and your provider, without a person hired by the insurance company deciding if it is “worth it” for you to receive services.
  • I have a full practice without insurance.