In-network (Aetna)
For therapy, Dr. Tania is in-network with Aetna in Florida, New York, Texas and Maryland. You pay your copay or coinsurance.
Out-of-network and self-pay
Can't find a provider in your network? There is another way in.
If the psychologists on your plan are booked out, far away or not the right fit, you can work with Dr. Tania directly, using out-of-network benefits or paying privately.
Home / Getting started / Out-of-network and self-pay
When the network does not have room for you
Insurance directories are often out of date, and many in-network psychologists are full or booked for weeks or months. Others choose a doctoral-level psychologist on purpose, for the depth of training behind the license: years of supervised clinical training, rigorous licensing standards and a grounding in assessment, diagnosis and evidence-based treatment. If that sounds like you, you do not have to wait or settle.
Dr. Tania runs a private practice where you work with her directly. If you are not seeing her in-network through Aetna, you pay for sessions, and depending on your plan you may be able to get part of that back.
People choose this route when
- In-network providers have waitlists, or are not taking new patients
- They want the training and professional standards of a doctoral-level psychologist
- They want the same clinician from start to finish
- They need evening or weekend availability
- They would rather not submit a mental health claim to an insurer
Three ways to work with Dr. Tania
Out-of-network, with a superbill
You pay the session fee, and Dr. Tania gives you a superbill to submit to your insurer for possible reimbursement. HSA and FSA payments are accepted.
Fully self-pay
You pay the session fee and no claim is filed. It is available in every state Dr. Tania serves, and you can request a Good Faith Estimate.
How out-of-network works
1
Check your benefits
Call your insurer and ask the questions below.
2
Book a free consult
A 15-minute conversation about what is going on and whether we are a good fit. Fees are reviewed with you.
3
Pay as you go
You pay at each session, and Dr. Tania sends you a superbill with your receipts.
4
Submit for reimbursement
You send the superbill to your insurer. What you get back depends on your plan.
Questions to ask your insurer
- Do I have out-of-network outpatient mental health benefits for a licensed psychologist?
- What percentage or per-session amount is covered?
- What is my out-of-network deductible, and how much have I met?
- What is covered for a 53-minute psychotherapy session (CPT 90837)?
- How many sessions are covered, and over what period?
- How do I submit a superbill, and is there a filing deadline?
Reimbursement is between you and your insurer and is not guaranteed.
Common questions
Will my insurance reimburse me?
It depends on your plan. Many plans with out-of-network mental health benefits reimburse part of the session fee after your deductible is met, but some plans have no out-of-network coverage at all. Dr. Tania cannot guarantee reimbursement, so it is worth asking your insurer before you start (the questions are on this page).
What is a superbill?
A superbill is an itemized receipt with the information your insurer needs to process a reimbursement claim: dates of service, session codes, diagnosis code, fees paid and Dr. Tania's credentials. You submit it to your insurer yourself, and Dr. Tania provides one with your receipts.
Does self-pay mean nothing goes to my insurer?
If you pay in full and do not submit a claim, nothing is sent to your insurer. If you submit a superbill for reimbursement, it includes a diagnosis code, and your insurer will see that.
Can I use my HSA or FSA?
Yes. HSA and FSA payments are accepted.
What if I have no out-of-network benefits?
Then self-pay is the way to work with Dr. Tania. Fees are reviewed with you on the free consultation, and you can request a Good Faith Estimate of expected charges before you schedule.
Is the consultation really free?
Yes. The first 15-minute conversation is free, with no obligation. It is a chance to talk about what is going on and whether Dr. Tania is a good fit.
Does Dr. Tania take insurance for therapy?
For therapy, she is in-network with Aetna in Florida, New York, Texas and Maryland. In other states, therapy sessions are self-pay. With other insurers she is out-of-network and can give you a superbill to submit for possible reimbursement. HSA and FSA payments are accepted.
Get in touch
Not sure which route fits?
Book a free 15-minute consultation, call, or send an email. Please don't include private health details in an email.
Existing patient? Sign in to the client portal. Replies usually arrive within 24 hours.
Contact
All sessions are by telehealth.
Practice address: 4800 N. Federal Highway, Building E, Suite 102, Boca Raton, FL 33431
(561) 576-7612
DrTania@DrTaniaPsychology.com
Availability (Eastern Time): Mon–Fri 9 am–5 pm · Sat 10 am–2 pm · Sun 11 am–1 pm
In a crisis, call or text 988. This website is not for emergencies.
Ready when you are.
A free 15-minute conversation is the easiest way to see what would work for you.
Book a free consult