Fees & Insurance
Fees & Insurance
I want money to be as clear as possible so you can focus on the work of therapy. Here is how fees, out-of-network reimbursement, and the free consultation work in my Brookline practice.
In short: Dr. Rebecca Rabin, PsyD is a private-pay, out-of-network therapist in Brookline, MA. Sessions are paid at time of service, and she provides a monthly superbill you can submit to your insurer for possible out-of-network reimbursement. A free initial consultation lets you explore fit before committing.
A private-pay, out-of-network practice
My practice is private-pay and out-of-network, meaning I do not bill insurance directly. Sessions are [CONFIRM: session rate] and are paid at the time of service. This structure lets me protect the time, privacy, and continuity of care that thoughtful therapy requires.
Being out-of-network does not mean therapy is out of reach. Many clients receive partial reimbursement through their insurance plan's out-of-network benefits, and I make the paperwork simple with a monthly superbill.
How superbills and reimbursement work
A superbill is a detailed receipt that includes the information your insurer needs — dates of service, fees paid, and standard billing codes. Each month I provide one, and you submit it to your insurance company for reimbursement under your out-of-network benefits.
Reimbursement rates vary by plan. Some clients are reimbursed for a meaningful portion of each session, while others receive less; the amount depends entirely on your specific policy. I am glad to answer questions, though the insurer determines what they pay.
Why some therapists choose to be out-of-network
Working out-of-network is a deliberate choice that benefits the therapy itself. Insurance panels often require diagnoses, session limits, and disclosure of clinical records — constraints that can shape care around what a plan will cover rather than what you actually need.
Staying out-of-network protects three things I value: the time to give each client full attention, your privacy and confidentiality, and continuity of care so we can work at the pace that is right for you rather than one dictated by a plan.
How to check your out-of-network benefits
Before we begin, it is worth a short call to your insurer to understand your coverage. Call the member number on your card and ask a few key questions.
Do I have out-of-network benefits for outpatient mental health?
What percentage of the fee is reimbursed after the deductible?
How do I submit a superbill for reimbursement?
What is my out-of-network deductible, and has it been met?
Is there a limit on the number of sessions per year?
Payment and what to expect
Payment is handled at the time of each session, which keeps billing simple and predictable — there are no surprise statements weeks later. I will explain the fee and how the superbill works clearly before we begin, so you can make an informed decision with no guesswork.
Investing in therapy is a meaningful commitment, and I want you to feel that the value is clear. Fewer administrative constraints mean our sessions stay focused on you, and we can shape the length and frequency of care around your goals rather than a plan's rules.
Start with a free consultation
Before committing to anything, I offer a free initial consultation of about [CONFIRM: consultation length]. It is a no-pressure chance to share what brings you in, ask about fees, and see whether we are a good fit.
If you have more questions, my FAQ page covers common ones, and you are always welcome to reach out directly.
Fees & insurance FAQs
Do you accept insurance?
I am an out-of-network, private-pay provider, so I do not bill insurance directly. However, I provide a monthly superbill you can submit to your insurer, and many clients receive partial reimbursement through their plan's out-of-network benefits. Coverage depends on your specific policy.
What is a superbill?
A superbill is an itemized receipt containing the dates, fees, and billing codes your insurer needs to process an out-of-network claim. I provide one each month, and you submit it to your insurance company to seek reimbursement under your out-of-network benefits.
How much does a session cost?
Sessions are [CONFIRM: session rate] and are paid at the time of service, with no surprise bills later. During your free consultation I am happy to review fees in detail and discuss how out-of-network reimbursement might apply to your particular insurance plan.
Why are you out-of-network?
Being out-of-network lets me protect the time, privacy, and continuity of care that good therapy requires. Insurance panels often impose diagnoses, session limits, and record disclosures that can shape treatment around what a plan will cover rather than your actual needs.
How do I find out what my plan will reimburse?
Call the member number on your insurance card and ask whether you have out-of-network outpatient mental health benefits, your deductible, and the reimbursement percentage after it is met. That gives you a clear picture of your likely out-of-pocket cost before we begin.
Is the initial consultation really free?
Yes. The initial consultation of about [CONFIRM: consultation length] is free and carries no obligation. It is simply a chance to share what brings you in, ask questions about fees and process, and see whether we are a good fit to work together.
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