I am licensed as a clinical psychologist in the states of Florida, New Jersey, and North Carolina. I am also certified to see clients virtually in any state where the Psychology Interjurisdictional Compact (PSYPACT) is effective.

As of October 2023 this includes the following states: Alabama, Arizona, Arkansas, Colorado, Commonwealth of the Northern Mariana Islands, Connecticut, Delaware, District of Columbia (DC), Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin and Wyoming.

An updated map of states that are included in this agreement can be found at psypact.org/page/psypactmap.

For therapy and diagnostic evaluations, my standard rates are:

• Initial Consultation (15 minutes): Free

• Individual Follow-up Session (50 minutes): $210

• Initial Intake/Diagnostic Evaluation Session (80 minutes): $315

Please note that treatment services always begin with an initial comprehensive evaluation. Following the initial evaluation, individual therapy sessions typically occur on a weekly basis. I am also easily accessible between sessions by email and phone and encourage my patients to reach out to me between sessions.

For professional supervision and consultation services, my standard rates are:

• Individual supervision or consultation, licensed practicing professional (1 hour): $210

• Individual supervision, license-seeking professional (1 hour): $155

• Individual consultation, licensed practicing professional (30 minutes): $105

Ribeiro Psychology is committed to providing specialized, evidence-based treatment for eating disorders, OCD, anxiety, and depression. However, many insurance plans place restrictions that limit session frequency, duration, and format, and also demand detailed personal information for authorization. These factors can impede truly individualized care, especially for advanced treatments such as Exposure and Response Prevention (ERP) for OCD or CBT-E for eating disorders.

Why Consider Out-of-Network Services?

1. Higher Level of Individual Attention: With fewer administrative hurdles, providers can devote more time and energy to your treatment rather than resolving billing or reimbursement issues.

2. Specialized Expertise: If reimbursement rates don’t reflect the complexity of expert protocols, in-network therapists may rely on more generalized “talk therapy,” resulting in lengthy treatment and minimal progress. A specialized approach can help you get back on track faster, often within a matter of months.

3. Customization & Confidentiality: Out-of-network care allows more flexibility in session length, telehealth options, and fewer requirements to release sensitive information to third parties.

What About the Cost?

• Shorter Total Treatment Time: Evidence-based, targeted therapy tends to be time-limited. While your initial investment may be higher, you’re likely to see results sooner—reducing the overall duration of therapy.

• Reimbursement: Many people with out-of-network benefits receive a substantial portion of their costs back after meeting a deductible. Ribeiro Psychology provides superbills and guidance on how to verify your coverage and submit claims.

Putting It All Together
Investing in specialized, out-of-network treatment can actually be more cost-effective in the long run—fewer overall sessions, faster progress, and enduring results. If you have questions about how out-of-network coverage might work for you, reach out to learn more. Together, we can help you navigate your insurance options and focus on what truly matters: your health and well-being.

Yes! Many insurance plans include “out of network mental health benefits.” This means that even if you see a therapist who is not in your insurance’s network (i.e., not an “in-network provider”) you may still be eligible for reimbursement of your session fees.

Check with your insurance provider before your initial session if you’re unsure about what is covered. Usually, there’s a phone number on the back of your insurance card that connects you directly with a representative from your insurance. This information is also sometimes on their website.

Here are some questions you may want to ask your insurance provider before we meet:

• How much does my plan cover for out-of-network mental health services?

• Do I need a referral from my primary care physician before receiving mental health services?

• Is there a limit to the number of therapy sessions I can have each year?

• What is the “allowed amount” for outpatient mental health therapy services, and what percentage of that amount does my plan cover?

• Is there a preferred modifier for sessions conducted via telehealth?

• How do I request reimbursement for an out-of-network provider?

If you need to cancel or reschedule your appointment, let me know as soon as possible. As in most practices, I have a 24-hour advance notice cancellation policy. If you don’t notify me about needing to cancel your session at least 24 hours before your scheduled session, you will be charged your session fee. This is also the case if you do not show up to a scheduled appointment.

Yes, in addition to weekday appointments, I also occasionally have Saturday appointments available.