How fees work
Insurance we work with
Loam is out of network with insurance plans, so you pay Mariah directly and can ask your plan to pay you back. Loam does not bill Medicare or Medicaid. If you need a counselor who does, tell us and we will help you look.
Out of network with insurance plans
Medicare and Medicaid are not billed
What you pay depends on the session: a first session is 60 minutes, an individual session is 50 minutes, and an extended session is 80 minutes, arranged with Mariah ahead of time. She gives you your fee in writing before the first session, and you pay at the end of the hour. A small number of reduced-fee spots are open at any time: ask for one when you write, and Mariah sets the fee with you. Whatever the fee, the hour and the care are the same.
Your fee is given in writing before the first session
A limited number of reduced-fee spots
HSA and FSA cards work for sessions
24 hours' notice to cancel or move a session
Receipts for reimbursement
At the end of each month Loam sends an itemized receipt, called a superbill, that you can send to your plan. It carries a diagnosis code, and your plan will see it. Your plan decides whether it pays you back, and how much.
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, and Loam gives you one in writing. If a bill comes out $400 or more above the estimate, you can dispute it. The estimate is not a contract. You can read more at cms.gov/nosurprises.
Checking your benefits
Before your first session, Mariah will go through your plan's out-of-network benefits with you if you ask, and tell you what to ask your plan. Loam cannot promise what a plan will pay.
Reduced-fee spots
How a reduced-fee spot works
A limited number of spots are held at a reduced fee. The hour and the care are the same.
Ask when you write
Say in your message that you would like a reduced-fee spot. There is no form to fill in.
Set the fee together
Mariah talks it through with you and puts the fee in writing before the first session. You are not asked for pay stubs or tax returns.
If the spots are full
Mariah keeps a short waiting list, and can point you to other places that offer sliding-scale sessions.
Open Path Collective
Questions
About fees
What is a Good Faith Estimate?
If you pay without insurance, you have the right to receive a Good Faith Estimate of what your care will cost before you start, and Loam gives you one in writing. If a bill comes out $400 or more above the estimate, you can dispute it. The estimate is not a contract. You can read more at cms.gov/nosurprises.
Can I use an HSA or FSA card?
Yes. Health savings and flexible spending cards work for sessions. Your plan's own rules decide what it covers, so check with it first if you are not sure.
What is your cancellation policy?
Please give 24 hours' notice to cancel or move a session. Mariah will talk through any late cancellation with you before there is a charge.
Questions about cost?
Write to us and we will answer in writing before you book.