Frequently Asked Questions

Telehealth is available Tuesdays, Wednesdays, and Thursdays to 43 PSYPACT-participating states, plus New York. I have dedicated pages for New York and Washington, DC therapists specifically.

Self-pay sessions are 50 minutes by default. For insurance clients, session length is based on medical necessity and billed accordingly.

Meeting too often risks therapy losing its impact; meeting too infrequently disrupts its momentum. Frequency is a collaborative decision, based on what makes the most sense for us.

I charge $250 per session. Intakes are $300. I review my fees annually to account for rising costs. I give existing clients advance notice of any change.

I'm in-network with Optum, Medica, and UHC. If you have one of these plans, we'll bill your insurance directly; your specific copay or coinsurance depends on your plan.

If your insurance isn't listed above, you're not out of options—most PPO and out-of-network plans offer partial reimbursement for psychotherapy.

To make that process easier, I've partnered with Mentaya, a service that handles out-of-network claims on your behalf. Here's how it works:

1. You pay for sessions as usual.

2. Mentaya submits your claims to your insurance company automatically.

3. You get reimbursed directly by your insurer, typically covering a meaningful percentage of the session fee.

Before you start, it's worth calling your insurance company and asking:

• Do I have out-of-network outpatient mental health benefits?

• What's my deductible, and how much of it have I met this year?

• Is there a limit on the number of sessions covered per year?

• What percentage of the fee gets reimbursed ("allowed amount")?

• Do I need pre-authorization?

• Is telehealth covered the same as in-person?

I ask for at least 24 hours' notice to cancel or reschedule a session. Cancellations with less than 24 hours' notice are billed the full session fee. This isn't about penalizing you—consistent, protected time is part of what makes depth-oriented work possible.

If you're experiencing a mental health emergency, I don't provide emergency services. Call or text 988 (Suicide & Crisis Lifeline), text HOME to 741741 (Crisis Text Line), or call 911/go to your nearest ER.

Of course! Above all, I want to ensure we're a good fit and I don’t want to waste your time or money.

This is why I offer free 15-minute consults, so we can see how it feels before ever scheduling.

Or reach out using my Contact Form, email at DrJimMosher@MosherPsych.com, or just call (612) 238-8988.

Absolutely! You can click here to self-schedule via SimplePractice.