Frequently Asked Questions

I'm an out-of-network provider, which means I don't bill insurance companies directly. However, many clients are able to get some reimbursement through their out-of-network benefits. I provide detailed receipts (called superbills) that you can submit to your insurance company for reimbursement. You can also use your Health Savings Account (HSA), Flexible Spending Account (FSA), or Health Reimbursement Account (HRA) to pay for therapy or testing.

The first step is a complimentary 15-minute phone consultation. During this call, we will discuss your concerns and see if I am the right fit for you or your child. Schedule your free phone consultation here. (https://christinehoward.clientsecure.me/request/service)

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who do not have insurance or who are not using insurance an estimate of the bill for medical items and services. If you do not have insurance OR you do not plan to use your insurance plan’s out-of-network benefits for services you receive from Dr. Christine Howard at Evermay Psychology, please read the following information: • You have the right to receive a Good Faith Estimate for the total expected cost of any nonemergency services, including an initial consultation, therapy, and psychological testing. • Dr. Howard will give you a Good Faith Estimate in writing at least 1 business day before your scheduled service. You can also ask Dr. Howard, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service. • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. • Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.