How fees work
The answers to what couples ask before they book.
Insurance we work with
Harbor is out of network with every plan, so you pay for each session yourselves. We do not bill insurance, and we do not take Medicare or Medicaid. Many plans reimburse part of out-of-network care, and it is worth asking yours.
Out of network with insurance plans
No Medicare or Medicaid
If you pay yourself
You pay at the end of each session by card, including HSA and FSA cards. Tawanda sets your fee by the length of the session: an eighty-minute joint session and a fifty-minute one-on-one. A small number of reduced-fee times are held back; ask when you write. Your fee is given in writing before you start. We ask for 24 hours' notice to change or cancel a session.
Receipts for reimbursement
Each month we give you an itemized receipt (a superbill) with the dates and the kind of session, to send to your plan, which may reimburse part of out-of-network care. It carries a diagnosis code your plan can see. Your plan decides whether it pays anything, so ask before you start.
An estimate in advance
If you pay without insurance, you have the right to receive a good faith estimate of what your care will cost before you start. We give you one in writing before the first session. If a bill comes in $400 or more above the estimate, you can dispute it. The estimate is not a contract.
Checking your benefits
We do not check benefits, because we do not bill your plan. To find out whether it reimburses, call it before the first session and ask about out-of-network mental health benefits.
Would you like a written estimate?
Write to us and say you are paying yourselves. We send it before the first session.