Health Insurance & Payment Information
If you have Aetna, Optum, United Health Care, United Behavioral Health, or Carelon insurance, you can receive an estimate of your cost for therapy through Alma, for information on how to do that, please click here  For other insurance plans that I work with, or for out of pocket payment, see below.
Accepted Payment Methods:
Blue Cross Blue Shield of Vermont
Blue Cross Blue Shield of Massachusetts
Horizon Blue Cross Blue Shield
Harvard Pilgrim Health Care
For people experiencing financial hardship
Apply by clicking here to join Open Path Psychotherapy Collective
You can confirm if your insurance company will consider me "in network" with your insurance plan by giving them my name, Michael Nichols, and my NPI number, which is 1659721355. It's your insurance company who makes that decision based on the plan you have with them, so I unfortunately do not have that information. The best way to determine your out-of-pocket expenses is to contact your health insurance company directly. Please provide them with the following CPT codes:
* 90791 (Intake assessment)
They will be able to provide you with specific information about your coverage and what your out-of-pocket expenses will be.
Understanding Out-of-Pocket Costs for Mental Health Care with Health Insurance
If you have health insurance, the out-of-pocket costs associated with your mental health care will depend on your specific health insurance plan and its coverage for mental health services. Let's break down how health insurance typically affects out-of-pocket costs for mental health care:
Your health insurance plan may have a deductible, which is an amount you need to pay out-of-pocket before your insurance coverage kicks in.
If your deductible is not yet met, you will be responsible for paying the full cost of mental health care services until the deductible amount is reached.
Once your deductible is met, you may have copayments for mental health care services.
A copayment is a fixed amount you pay out-of-pocket for each mental health care visit or service, regardless of the total cost.
Instead of copayments, your health insurance plan may have coinsurance for mental health care services.
Coinsurance is a percentage of the total cost of the mental health care service that you are responsible for paying out-of-pocket.
4. In-Network vs. Out-of-Network Providers:
If you receive mental health care from providers who are in your health insurance plan's network, you will typically have lower out-of-pocket costs compared to seeing out-of-network providers.
5. Mental Health Parity Laws:
Federal and state mental health parity laws require health insurance plans to provide coverage for mental health care that is comparable to the coverage they provide for physical health care.
This means that your out-of-pocket costs for mental health care should not be significantly higher than your out-of-pocket costs for other medical services.
It's important to review your specific health insurance plan to understand your coverage for mental health care and your potential out-of-pocket costs. You can contact your health insurance provider or visit their website for more information.
Cost for treatment at Green Mountain DBT with Health Insurance:
To determine your out-of-pocket costs, call the member services number on your health insurance card and ask about the out-of-pocket costs for the following CPT codes:
Cost for treatment at Green Mountain DBT Without Health Insurance: