Policies, Rates, and Insurance

Policies & Rates

Rate: I charge $275 for a 45 minute session for clients.


Lower Fee Appointments: I offer some lower fee appointment slots during the day. At this time, these slots are filled.  When these slots become available, I will update my website to reflect this change.


In-Network Insurance: I am currently an in-network provider for Cigna Behavioral Health. Different Cigna plans have different benefits and rates for behavioral health, so it will be important to know what behavioral health plan you have.


Out-of-network Insurance: If you have a different insurance and would want to use these benefits, please call your insurance provider to see if they offer out-of-network benefits that would reimburse you for using my services.


Cancellation policy: An appointment time is set aside specifically for you and as a result, I require a 24 hour notice for cancelling or rescheduling counseling sessions. A $100 fee will be charged to you for late cancellations or missed appointments. 

Payment: I accept cash, check, credit card (VISA, Mastercard), and Health Savings Account cards at this time.

Learn More about Insurance

When we feel stressed or unwell, it can be difficult to navigate the complexities of health insurance. I hope this section can help clarify some of the confusing terms and help identify important questions to ask me or your insurance company, so that you better understand your benefits and costs.

Find out more

Calling Your Insurance Company

Sometimes my clients like to speak with their insurance company themselves to learn more about their own health care plans. If you would like to call yourself, your insurance card has a member-services number  that you can call to learn more about your benefits. 


Look at the next section for questions that would be helpful to ask your insurance company.


I would be happy to clarify your benefits for you on your behalf, if you prefer. I would need specific information that would be found on your insurance card so that I can get the necessary details.

Questions to Ask Insurance

If I am In-Network with Your Insurance

  • What are my behavioral health or mental health benefits?


  • Do I have a deductible I have to meet for behavioral health? (deductible is the amount you would pay out of pocket first before your insurance begins to share the cost of your medical services)


  • What is my deductible?  (some plans have different deductibles for in-network providers and out-of-network providers, so please clarify based on your insurance)


  • Can you confirm that Dr. Snehal Kumar is in-network for my specific plan?


  • What would be my co-payment or co-insurance? (this is the amount or percentage the client pays, with the understanding that your insurance company will cover the rest)


  • Does my provider need authorization to use any of these CPT codes:
    • 90837 (60 minute individual therapy session)
    • 90834 (45 minute individual therapy session)


If I am Out-Of-Network with Your Insurance

  • What are my out-of-network benefits for behavioral health or mental health?


  • If I do have out-of-network benefits, do I have a deductible? (deductible is the amount you would pay out of pocket first before your insurance begins to share the cost of your medical services)


  • How much is my deductible, if I have one? (some plans have different deductibles for in-network providers and out-of-network providers, so please clarify based on your insurance)


  • How much can I expect to get back for sessions with the following CPT codes?
    • 90837 (60 minute individual therapy session)
    • 90834 (45 minute individual therapy session)


  • Does my provider need authorization to use any of these CPT codes:
    • 90837 (60 minute individual therapy session)
    • 90834 (45 minute individual therapy session)