Frequently Asked Questions

Yes, Sowoon Park is in-network with the following insurance companies:

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• Surest (Formerly Bind
• United Healthcare
• Oxford Health Plans
• Aetna
• Empire Blue Cross Bluecard Network access)
• UMR
• Oscar
• UHC Student Resources
• UnitedHealthcare Global
• Harvard Pilgrim
• Meritain
• Nippon
• Northwell Direct

Marbled Mind is currently not able to accept Medicaid, Medicare, or other community and state plans at this time.

This means that the therapist had applied and been approved by your health insurance company. The therapist is within your insurance’s database of providers.

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If you decide to use your health insurance benefits to see an in-network provider, you will likely owe a “co-pay” at the time of your session. This can range between $15-85 (sometimes even more or even less). Your insurance company will pay your therapist the rest of what the insurance company deems a reasonable rate for the service provided.

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The cost/coverage will depend on your plan’s contract. Sowoon Park, LCSW is also working with a telehealth agency called, Alma to stream-line the client-to-provider experience via their HIPAA-compliant portal system in terms of scheduling and managing insurance billing for both the client and provider. They are an organization that shares the same values and belief that mental health treatment should be accessible to all. The Alma team will contact your insurance to obtain an accurate quote for you based on your in-network or out-of-network benefits.

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You can also contact your insurance directly to find out how much your insurance will cover and how much your copay (or deductible) is. The phone # can be found on the back of your insurance card or via your insurance web portal, if applicable.

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Feel free to learn more about the different forms of affording therapy by reading this great article.

Therapy can truly be a rewarding investment for yourself.

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Individual Out-of-pocket:
45 mins: $200
60 mins: $250

Couples Out-of-pocket:
50 mins: $300
80 mins: $400

Yes, being a private-pay client does not mean that you won’t get any coverage for your therapy visits! Your health plan benefits may include out-of-network reimbursement for a large portion of your session costs. You can reach out to the phone number on the back of your insurance card to ask:

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• Are you eligible for any out-of-network coverage
• What you will need to submit as documentation to apply for reimbursement

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Generally, your insurance company will require detailed invoices and superbills (i.e., monthly statements of all of the invoices you paid to a provider) to reimburse your expenses. You can submit this documentation directly to your health plan for processing. 

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As you submit for reimbursement, if you have any questions related to your specific plan, please call the phone number listed on the back of your insurance card for further assistance.

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Here’s another great article that provides more information on how to best navigate your out-of-network benefits.

Research shows the best results from those who engaged in treatment consistently every week. Pending availability, Sowoon Park offers both 45 mins or 60 mins-long sessions on a weekly and bi-weekly basis for individuals who are paying out-of-pocket.

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If you are using your insurance benefit, your session duration would depend on your therapeutic needs, as insurance companies require documentation of “medical necessity” to support why an individual requires a certain duration of treatment for reimbursement purposes. We want to avoid any surprises of insurance companies declining to cover further sessions or to reimburse individuals and the clinician.

Absolutely! You can pay privately, or aka “out-of-pocket” for therapy services.

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Benefits of paying out-of-pocket: Insurance companies mandate a diagnosis, oversee your health records, and may seek access to your information while in therapy. They also may limit your coverage to a set number of therapy sessions per year, regardless of what you’re going through. When considering the implications of using insurance, paying out-of-pocket is a better fit for some.

In order for you to get the most out of each and every session, it is recommended that you maintain a consistent therapy schedule that is in alignment with your specific clinical needs and goals. With this in mind, it is important to remember that when one patient fails to keep an appointment or cancels without advance notice, that time slot is also lost for another patient in need. For that reason, 48 hours notice is requested to change or cancel any appointment.

Without 48 hour notification, you will be charged for the full cost of your missed session; this is the full private-pay fee or the full insurance contracted rate pending your coverage (which can vary from $85-$200).

• Exceptions can be made in emergencies such as, car accidents, deaths in the family, or extreme illness. This cancellation policy also applies even if missing the appointment was an unintentional act.
• Cancellation fees can be waived if we can find another time to reschedule your appointment time within the same week. However, please keep in mind that this is not always guaranteed, pending availability.

Lateness: After 15 minutes past your scheduled appointment time, your visit will be marked as a No-Show. If you foresee that you may be running late to your appointment, please communicate with me via email or phone in advance.