Fees & Insurance

Most insurance companies do not cover a full psychological evaluation. Furthermore, insurance companies may set a limit on the number of hours of testing which they will reimburse. For example, insurance may decide to pay for only one-third of an evaluation, even after initially agreeing to cover more than that.

Unfortunately, I cannot predict what your insurance company will cover ahead of time. The final decision is made by your insurance company only AFTER the insurance claim is submitted for services already performed. Despite whatever information you or I have been given over the phone prior to testing, your insurance company may ultimately refuse to cover all or part of the psychological testing services. In this case, you remain responsible for the full cost. Because extensive time is required to do comprehensive evaluations I may also require a deposit before we proceed, whether or not you are using insurance.

My comprehensive and personalized assessments include the following:

  • An initial consultation of two hours to better gather background information
  • 8-10 hours of face to face testing time
  • comprehensive intelligence (IQ) testing
  • memory testing
  • continuous performance tests
  • assessment of academic achievement
  • behavior/emotional/social assessment as needed
  • personality testing or specific neuropsychological tests (e.g. processing speed,
  • visual-motor skills, visual-perceptual skills, auditory processing skills, phonological processing skills).
  • reviewing prior reports, interpreting, scoring the tests and analyzing data
  • researching and clinical decision making
  • a review appointment to go over the results
  • a complete written report with recommendations

Before you decide to use insurance for any psychological service, consider the following:


1. Nobody likes unpleasant surprises. Past experience has taught me that insurance companies are fickle. They may approve coverage of psychological testing in advance, only to change their minds and deny coverage later without explanation. This occurs even if you have been covered in the past. In such circumstances, you would be responsible for full payment of costs already incurred of any testing services already completed (including non face-to-face services, such as analysis and report writing).

2. Insurance companies require a mental health diagnosis (e.g. Depression, OCD, ADHD) before reimbursing. You may not know that insurance companies will only reimburse for mental health services (including therapy, psychological testing) if the person has been given a mental health diagnosis. That diagnosis goes into your health record for the rest of your life and may affect you in the future, such as your ability to obtain life insurance.

3. Health insurance companies always have access to your healthcare records. Once your information leaves my office and goes to an insurance company, I no longer have control over it. Insurance companies often share information with databases that are accessed by other organizations. For example, if a court for any reason orders to see your treatment history, the insurance company will be required to share that information. Or if you apply for a job, your future employer may ask you to sign a waiver authorizing the release of your health information in order to be considered eligible for the position.

4. Health insurance companies have access to all your personal information. An average of 14 people views each claim while it is being processed. I am not comfortable having strangers accessing sensitive client information.

5. Your health records may be audited at any time without warning by your insurance company. They may decide to deny claims for seemingly trivial reasons. You would then be required to repay the insurance company for previous sessions which you initially thought would be covered by insurance.

6. Cancellations/ Missed Appointments: Your time is valuable, and I hope that you understand that my time is too. I set aside time for your appointment and if you cancel at short notice or fail to show up at all, I lose valuable time from my schedule and can’t see other patients who need help. For this reason, I charge $120 for short-notice cancellations or no-shows unless we both agree that the situation was beyond your control (illness, inclement weather, etc.) Please note that health insurance policies do not pay for missed or canceled appointments. For new clients, I may invoice you to secure your initial appointment.

My comprehensive and personalized assessments include the following:

  • An initial consultation of two hours to better gather background information
  • 8-10 hours of face to face testing time
  • comprehensive intelligence (IQ) testing
  • memory testing
  • continuous performance tests
  • assessment of academic achievement
  • behavior/emotional/social assessment as needed
  • personality testing or specific neuropsychological tests (e.g. processing speed,
  • visual-motor skills, visual-perceptual skills, auditory processing skills, phonological processing skills).
  • reviewing prior reports, interpreting, scoring the tests and analyzing data
  • researching and making recommendations
  • report writing
  • a review appointment to go over the results
  • a complete written report with recommendations

*A Michigan limited license permits me to practice under the supervision of a fully licensed psychologist.  I consult regularly with my supervisor, John Varani, Ph.D., LP (Michigan license number 6301004055) and Carrie Hatcher-Kay, Ph.D. of Partners in Healing (Michigan license number 6301011682).