Fees
Harbor Road Psychiatry is an out-of-network practice. We do not bill insurance companies directly, which means we are not restricted by any insurance panel in the time we spend with you, the treatments we recommend, or how often we see you. Some patients are able to use out-of-network benefits for possible reimbursement; whether and how much depends entirely on your plan. Here is how that works.
Fee Schedule
Clear, upfront pricing.
Fees are due in full at the time of service unless a payment plan has been agreed to in writing in advance.
Consultations & Evaluations
Follow-Up Appointments
Medication managementPsychotherapy Services
Administrative
You receive a superbill after every visit, so you can submit for out-of-network reimbursement if your plan offers it.
Fees are subject to change.
Why Out-of-Network
What that means for your care.
Being out-of-network is a deliberate choice, not a limitation. It lets us practice psychiatry the way it should be practiced.
Full-length appointments
No insurance-mandated time limits — visits run as long as your care actually requires.
Treatment based on your needs
Recommendations are never shaped by what an insurance panel will or won't approve.
Privacy
We don't submit claims on your behalf. If you choose to submit a superbill, it includes visit dates and diagnosis and procedure codes, so that information is shared with your insurer at your direction.
Continuity
You keep your psychiatrist over time, with the group practice behind you, regardless of insurance network changes.
Getting Reimbursed
How superbills work.
Some plans offer out-of-network benefits, and a superbill is how you request them. Coverage varies, so please verify your benefits.
Visit & pay
You pay our fee at the time of your visit.
Get your superbill
We provide it after every visit, with nothing to request.
Submit to your insurer
Upload it to their member portal or mail it in.
Get reimbursed
If your plan covers it, your insurer pays you directly.
An example
- Patient
- Jane Doe (sample)
- Date of service
- 03/12/2026
- Provider
- Your psychiatrist, MD · NPI on file
- Diagnosis (ICD-10)
- F41.1
- Procedure (CPT)
- 90792 · Psychiatric evaluation
- Fee paid
- $625
What reimbursement might look like
Your net cost in this example $385
Illustration only. Insurers usually reimburse a percentage of their own "allowed amount," which can be lower than our fee, and many plans have a separate out-of-network deductible. Your coverage may be different, or may not include out-of-network benefits at all.
What is a superbill?
A superbill is a detailed receipt of the services you received — visit dates, diagnosis codes, and procedure codes — formatted specifically for insurance reimbursement. After each appointment, we provide one automatically; there's nothing extra for you to request.
How you use it
You pay for your visit at the time of service, then submit the superbill directly to your insurance company — typically through their member portal or by mail. Your insurer then reimburses you directly, according to your plan's out-of-network benefit.
What you'll be reimbursed
Whether you are reimbursed, and how much, depends entirely on your plan — we cannot guarantee any reimbursement. We recommend calling the member services number on your insurance card and asking specifically about "out-of-network outpatient mental health / psychiatry benefits" before your first visit, so there are no surprises.
Questions to ask your insurer
- Do I have out-of-network coverage for outpatient psychiatry?
- What is my out-of-network deductible, and has it been met?
- What percentage of the visit cost is reimbursed after the deductible?
- Is there a limit on the number of visits covered per year?
- Are the CPT codes below covered under my out-of-network benefits, and does telehealth qualify?
Codes that commonly appear on a psychiatry superbill
| CPT code | What it describes |
|---|---|
| 90792 | Initial psychiatric diagnostic evaluation with medical services |
| 99212 / 99213 / 99214 / 99215 | Follow-up medication management visit for an established patient (99212 straightforward, 99213 low, 99214 moderate, 99215 high complexity) |
| +90833 | Add-on: psychotherapy, 30 minutes, with a medication visit |
| +90836 | Add-on: psychotherapy, 45 minutes, with a medication visit |
| +90838 | Add-on: psychotherapy, 60 minutes, with a medication visit |
| 90834 | Psychotherapy visit on its own, 45 minutes |
Your psychiatrist selects the codes for each visit based on the care provided, so not every code will appear on every superbill. Telehealth visits use the same codes and may carry a telehealth modifier. Your insurer decides what is covered.
Good to Know
Payment & cancellation.
Payment
Payment is due in full at the time of service unless a payment plan has been agreed to in writing in advance. We accept major credit cards, debit cards, and HSA/FSA cards.
Cancellation & No-Show Policy
We require at least 24 hours' notice to cancel or reschedule an appointment.
Your Rights
You have the right to receive a Good Faith Estimate.
Under federal law (the No Surprises Act), you have the right to know the expected cost of your care before you receive it. Because we are an out-of-network practice and do not bill insurance directly, you may request a Good Faith Estimate of the expected charges, whether you have no insurance or have insurance you do not plan to use.
- You can ask for a Good Faith Estimate at any time, including before you schedule, by phone, by email, or through our Contact page.
- If you schedule care at least 3 business days ahead, you should receive the estimate in writing within 1 business day. If you schedule at least 10 business days ahead, or ask for an estimate before scheduling, you should receive it within 3 business days.
- We can provide the estimate on paper or electronically, whichever you prefer.
- If you are billed $400 or more above the estimate we gave you, you can dispute the bill through the federal payment dispute resolution process. Keep a copy of your estimate.
- A Good Faith Estimate is not a contract, and you are not required to receive care from us.
Questions about fees or reimbursement?
Our care coordination team is happy to walk through what to expect before your first visit.