Dr. Carmen L. Lucia
Licensed Clinical Psychologist

Payment

I am credentialed with BCBS, Cigna, United HealthCare, Aetna/Banner Aetna, and Medicare. 

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If you are covered by another insurance company, you may pay out-of-pocket and I can provide you with a superbill to submit to your insurance for reimbursement for whatever your out-of-network benefits might be. Please contact your insurance company to find out what your policy provides. 

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Cash fee rate is $185 per 60-minute session. 

Sliding scale fee may be available in the case of financial need. 

Insurance can be frustrating to understand. Here is a brief summary:

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Each insurance company has different plans. Your plan is specific to you and what choices your/spouses'/parents' company has provided (if any).  To find out what your plan covers and what you might be responsible for out-of-pocket, you will want to call the number on the back of your card and ask the following:

1) Tell them: I am calling to ask about my in-network, out-patient behavioral health benefits. 

2) What is my deductible? This is the amount you will need to pay out of pocket before your benefits kick in. 

3) Do I need to meet my deductible for my behavior health benefit to cover my sessions?

4) Do I have a copay? 

For each insurance, I am credentialed for an adjusted rate. While I submit my full-fee to insurance when I send in a claim, you will only be responsible for the adjusted rate if you are meeting a deductible. If you desire a more exact understanding of your personal fees, I am happy to tell you about the specifics after you talk to your insurance company.