
Margo Friedman LPC, LADC
Telehealth for residents of CT, FL, VA & SC
(203) 521-9241
Insurance
​I do not participate in any insurance panel. Payment is therefore expected at the time of your session.
Depending on your current health insurance provider or employee benefit plan, it is possible for out-of-network services to be covered in full or in part. Please contact your provider to verify how your plan compensates you for psychotherapy services out of network.
At your request, I can provide receipts for all payments that can be used to apply for reimbursement for therapeutic services.
Recommended questions to ask your insurance provider:
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Does my health insurance plan include mental health benefits?
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Do I have a deductible? If so, what is it and have I met it yet?
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Do I have a reimbursement plan for out-of-network providers? If so, what is the reimbursement amount?
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Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
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Do I need written approval from my primary care physician for services to be covered?
Why I Don’t Take Insurance?
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As a therapist, my mission is to help you grow and change in a safe environment—one in which your confidentiality and goals are protected. Counseling can be a vulnerable experience, and aspects of working with insurance companies may undermine the safe environment I fiercely seek to protect.
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It’s Not Confidential
If I were to work with insurance companies, I would be required to disclose information to a third-party insurance or technology company (for electronic medical records). This increases the risk of your information being compromised. Additionally, a diagnosis can be disclosed through your insurance company for various reasons, including, for example, if you ever need a federal background check or want to be a pilot. I want you to have the most confidential counseling possible!
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You Have to Be Diagnosed
In order for insurance to cover counseling, I have to diagnose you. Even if it’s not appropriate, there must be a diagnosis. For example, someone seeking counseling for help adjusting to a new life event or creating and maintaining a healthier lifestyle would need a diagnosis for it to be covered by insurance. The diagnosis would remain on your permanent medical record. I, along with many therapist colleagues, feel everyone should have access to counseling, not just those who qualify for a diagnosis.
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Insurance Companies Decide Your Treatment
Insurance companies determine the number of sessions and their frequency. I believe this should be a collaborative decision between you and your therapist. Sometimes you might need shorter sessions or longer ones. Maybe you’ll need them twice weekly or once a month.
Rates
$ 175 per 60 minute individual session
$200 per 60 minute couples session
$200 per 60 minute family session
Payment Policy
I accept all major credit cards, Venmo, Zelle, Health Savings Accounts as forms of payment.
If you choose to pay electronically, you will be sent an invoice via text from Ivy Pay. Follow the link and enter your billing information to pay online. Charges will appear as “Ivy Labs, Inc.” Rest assured, Ivy Pay is designed to be HIPAA-secure.
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Cancellation Policy
All clients are required to give 24 hours’ notice if canceling or rescheduling a session. Clients who are late and/or cancel without giving 24 hours’ notice will be responsible for a $100 fee.
Good Faith Estimate
You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health 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 expected charges for medical services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services. You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service. 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, visit www.cms.gov/nosurprises.