Fees and Insurance
Insurance
Dr. Spektor is in-network with Aetna and will bill insurance directly for clients with that insurance plan. Please contact your insurance company via the number on the back of your insurance card to verify benefits before your first appointment to make sure that Dr. Spektor is in-network with your specific plan and to learn about your copay or co-insurance responsibility. Dr. Spektor is an out-of-network provider for all other insurance companies.
Self-Pay and Out-of-Network Fees
Initial Assessment - $185
Psychotherapy Session (60 minutes) - $175
Psychotherapy Session (45 minutes) - $160
Fees are due at time of service and payable by cash, check, or card (debit/credit/FSA/HSA). Dr. Spektor offers sliding scale services on a limited basis. You can also visit https://openpathcollective.org/ to find affordable therapy providers.
If you have out of network benefits, Dr. Spektor can provide a Super Bill for you to submit to your insurance company. You may be eligible to receive reimbursement for part of the fee. Please contact the number provided on the back of your insurance card and ask the following questions:
Am I eligible for out-of-network mental health benefits?
What is my deductible and has it been met?
Is there a session limit per year?
Do I need a preauthorization prior to receiving services? If so, what information is needed?
Is approval required from my primary care physician?
(If requesting telehealth): Are telehealth services covered under my insurance and reimbursed at the same rate?
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
Make sure your health care provider gives you a Good Faith Estimatein writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
If you receive a bill that is at least $400 more than your Good FaithEstimate, 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, visit www.cms.gov/nosurprises.