Out-of-network, and straightforward about it.
This practice does not contract with insurance companies. That is a deliberate choice, and it comes with tradeoffs worth understanding before you decide whether it is right for you.
Why I choose an out-of-network model
In an insurance-driven healthcare system, appointments are often rushed, and administrative hurdles fall back on the patient. Operating as an out-of-network practice allows me to prioritize what matters most: unhurried time, thoughtful clinical attention, and comprehensive support.
- Unrushed, mindful care
- You get my full focus during our time together. We have room for thorough evaluations, nuanced discussions, and care plans tailored specifically to you, never constrained by insurance timers.
- Help navigating insurance & reimbursement
- The honest tradeoff with an out-of-network practice is that you pay at the time of service rather than a standard copay. With PPO plans, a substantial portion of costs may come back through out-of-network benefits. We know filing for reimbursement and deciphering insurance language can feel daunting or downright frustrating, and we don't leave you to figure that out alone.
- Real support between appointments
- The attention to your care continues between appointments. My registered nurse Bianca helps with the practical aspects of managing your care and navigating health systems, from quick questions, to scheduling changes, to pharmacy coordination and filing insurance claims. She reaches out proactively with reminders to keep your care on track. Anything needing clinical judgment gets forwarded to me, keeping your care moving smoothly while keeping my focus on clinical decisions and being fully present in our sessions.
Ultimately, this level of practical support outside of session time, combined with the level of attention and care I bring to your treatment, is a rare combination, but it is a core part of how we support you and your family as a whole person.
Structure of care
Two appointments
- A 1-hour appointment gathering and reviewing current concerns, medical history, family history, and developmental history.
- In between appointments, Dr. Yu may gather additional information, such as collateral information from other providers, lab tests, or previous assessments and reports.
- A 30-minute appointment discussing the assessment and treatment recommendations, and collaboratively deciding on a treatment plan
Two appointments
- A 1.5-hour appointment collecting and reviewing information from both parents and the child or adolescent.
- In between appointments, Dr. Yu may gather additional information, such as collateral information from other providers, lab tests, or previous assessments and reports.
- A 45-minute appointment discussing the assessment and treatment recommendations, and collaboratively deciding on a treatment plan
The same structure as an initial evaluation
With Dr. Yu working alongside your referring provider, or targeting a more specific diagnostic or treatment question
Sessions after the evaluation
Ongoing appointments vary by what you need: medication management alongside your existing therapist, psychotherapy with Dr. Yu, or a combination of the two. Session length and frequency are set clinically, not by the insurance company.
Current rates
Rates are shared directly when you reach out. You can request a Good Faith Estimate so you can make an informed decision before your first appointment.
Request current rates
Getting money back from your insurer.
Navigating insurance is complicated and burdensome. We treat helping you through it as part of the service, not an afterthought.
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Benefits verified up front
We use Reimbursify to check your out-of-network mental health benefits before treatment begins: your deductible, your reimbursement rate, and any visit limits. The practice pays for this service; there is no additional cost to you.
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You pay at time of service
Payment is made directly upon delivery of services. We accept credit cards, debit cards, HSA and FSA cards, Zelle, and checks. Psychiatric care is a qualified medical expense, so HSA and FSA funds can be used directly.
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Claims filed for you
We submit out-of-network claims on your behalf through Reimbursify, a service the practice pays for, not an added fee on your bill. Reimbursement goes directly to you from your insurer, and you can track each claim's status as it is processed.
Find out what your plan will reimburse.
Reimbursify checks your out-of-network mental health benefits and reports your deductible and reimbursement rate, usually within a business day. There is no cost and no obligation.
This opens Reimbursify, a separate service. You will be asked for your insurance details there, and their privacy policy governs what you enter.
Prefer to file yourself?
We can provide a superbill, an itemized receipt containing everything your insurer needs, including diagnosis and procedure codes. You submit it directly and are reimbursed directly. Some patients prefer this simply to keep the paperwork in their own hands.
How much comes back?
Many PPO plans offer significant reimbursement, often covering up to 80% of the cost once any out-of-network deductible is met. Reimbursement is ultimately determined by your insurance company, and no amount can be guaranteed.
Good Faith Estimate
Under the federal No Surprises Act, patients who are uninsured or who choose not to use insurance have the right to receive a Good Faith Estimate of the expected cost of care.
You will receive a written estimate before your first appointment, and you may request one at any time. If you are billed for at least $400 more than your Good Faith Estimate, you have the right to dispute the bill.
Questions about the No Surprises Act and Good Faith Estimates: cms.gov/nosurprises.
Before you reach out.
Do you take my insurance?
No. The practice is out-of-network with every insurance company, and Dr. Yu is not a Medicare provider. If you have a PPO plan, your out-of-network benefits will likely cover a meaningful portion, and we help you claim it. If you have an HMO, an EPO, or Medicare, reimbursement is generally not available.
Can I use my HSA or FSA?
Yes. HSA and FSA cards are accepted directly, and psychiatric care is a qualified medical expense. This is one of the most effective ways to reduce the real cost of out-of-network care.
What is the difference between a superbill and Reimbursify?
A superbill is an itemized receipt you submit to your insurer yourself. Reimbursify is a service we use to verify your benefits and file those claims on your behalf, so you do not have to, and the practice pays for it, so it costs you nothing either way. Either path is available: the reimbursement is the same, the paperwork burden is not.
Why isn't a price listed on this page?
Because a single number rarely answers the real question, which is what your care will actually cost you after reimbursement. Current rates are shared as soon as you reach out, together with a Good Faith Estimate for the care being discussed.
Ask about rates and availability.
Send a note through the secure contact form and you will receive current rates along with next steps.