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FAQs, Fees & Insurance

Where are you located?

Our therapy practice is 100% virtual.  All sessions take place on our HIPAA compliant EHR called Theranest.

All providers are licensed and based in Maryland. Testing sessions may take place in person at our space in Ellicott City.

Some of our providers are also licensed in other states. You can see details on their profiles.

How much do sessions cost?

​The following are the most common CPT codes and rates you will encounter with Therapy or Testing. Our complete fee schedule is available in our intake paperwork.

  • 90791 Initial diagnostic session: $200

  • 90837 Individual therapy (53 minutes): $150

  • 90834 Individual Therapy (45 minutes): $112.50

  • 90832 Individual Therapy (30 minutes): $75

  • 90847 Family therapy (2+ people, 50 minute session): $150

  • 90846 Family Therapy without the client (2+ people. 50 minute session): $150

  • 96127 Brief Assessment: $10

  • 96136, 96137 Testing (30 minutes): $100

  • 96130, 96131 Report for Testing (60 minutes): $150

  •  99050, 99051 After Hours/Weekend/Holiday/Outside your therapists regular hours: add on fee: $25

  • Administrative Paperwork (15 minute units): $25 (not covered by insurance)

  • In Person Testing (up to 5 hours): $300 (not covered by insurance)

You can use these codes to talk to your insurance company about in and out of network coverage for these services.

What happens in my first session?

Each therapist has their own style, but generally speaking you can expect your initial session to include information gathering for preliminary assessment. This will help us get a sense of what approach will help you reach your therapy goals, and inform the direction of therapy. Our therapists are aware that getting to know you is a process and we will move at your pace.

How long is therapy?

Sessions typically run 45-60 minutes. Testing or other specialty services may differ.

The length of treatment will depend on medical necessity and your treatment goals. Some folks are looking for short term support, others might prefer tapering from weekly to gradually less frequent sessions as needed. You and your therapist will periodically evaluate progress and, if applicable, work toward healthy termination.

If you are using your EAP benefits, the structure of the program may other designate specifics such as number of covered sessions. 

Can I use my insurance to pay for therapy and testing?

It depends on what type of insurance you have.

  • All of our clinicians are in network (or soon will be) with CareFirst Bluecross Blue Shield and Cigna/Evernorth and our clinically licensed therapists are in network with Johns Hopkins as well. If you have insurance through these companies, we are able to submit claims for you directly to your insurance company and you will only be charged your copay or coinsurance. 

  • If we are able to accept your insurance directly, your insurance company will be the best and fastest source of information regarding your co-pay and deductible amounts.

  • All of our clinicians can also work with you if you have other insurances as out of network providers. In this case, you would pay the full rate for sessions and then submit a superbill to your insurance company who will reimburse you directly. The amount of reimbursement will depend on your plan's benefits and we encourage you to call your insurance company for details.

  • If you choose to use your insurance either in or out of network, please be aware that the insurance companies will have full and complete access to all of your clinical information in order to ensure that your treatment meets their requirements.

  • Questions about using your insurance for therapy or testing can be sent to Billing@CoTenacious.com

  • We know submitting claims for reimbursement is a significant challenge for most (and may feel impossible for some dealing with executive dysfunctions) so check out the companies that will do so for you for a small percentage of the rate!

  • All clients will need to meet "medical necessity" in order to use their insurance in or out of network. Your clinician will discuss this with you further in your first session. If you do not meet "medical necessity", you are still welcome to do therapy and testing with us, it will just be self pay.

Will I get a diagnosis during therapy or testing?

  • It depends (again). If you plan to use either in or out of network insurance benefits for treatment, you will receive one or more diagnoses if you meet the DSM-5 criteria for them. These diagnoses will be based on your concerns and struggles which will be followed up with a detailed intake assessment and additional ongoing assessments.

  • Your clinician will include you in every step of this process to ensure you are aware of your diagnosis and have the opportunity to ask any questions you may have.

  • Insurance companies define their own criteria for medical necessity and base it on some level of impairment in functioning. Not everyone attends therapy for this reason. If you are attending therapy for personal growth and enrichment, we will be happy to support you but your insurance company does not cover this type of work.

  • If you are not going to use your insurance in any way, then you do not have to receive a diagnosis.  Some people find this option preferable for increased confidentiality.

  • If you are coming to us with testing you will receive an initial diagnosis and then may receive additional or different diagnoses after testing is complete.

  • If you are using your EAP benefits, treatment will look a little different based on the structure of the program.

Notice to clients and prospective clients
re: Good Faith Estimate and the No Surprises Act

Under the No Surprises Act, health care providers need to give clients who don’t have insurance or who are not submitting claims to their insurance for either in or out network coverage (Self-Pay) an estimate of the cost for non-emergency medical items and services called a “Good Faith Estimate” explaining how much their medical care will cost over the course of their treatment.

  • If this applies to you, you will be provided a Good Faith Estimate in writing via your client portal at least 1 business day before your medical service or item. You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service, or at any time during treatment.  

  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.  

  • For questions or more information about your right to a Good Faith Estimate, or how to dispute a bill, see your Estimate, or visit www.cms.gov/nosurprises.

What's with the flamingos?

Great question! 

Starting a new business from scratch requires tenacity and humor and that's where the flamingos come in! Flamingos symbolize beauty, balance, elegance, vibrance, pizzazz, romance, and parties. While adult flamingos are graceful, young flamingos are clumsy and need to learn a lot to be ready to live their best lives! While baby flamingos are gray, over the course of their lifetime, they become "flame-colored" through their diet. While flamingos are not monogamous, they have elaborate rituals to find their partners and stick together to raise their offspring so they are ready to launch! Flamingos live in groups of thousands, they know that the more community, the safer and better life is and a group of flamingos is called a flamboyance!

Flamingos have it going on and it tickled us (Lexa, Jessica, and Pebble) when we finally landed on this bird who lives life their own way as a symbol for the work we have done and continue to do along side our clients. 
*Ask us about our flamingo tattoos!

If you don’t see the answer to your question here, please contact us.

Let's Flamingle!

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