Finances

Dr. De Luca does all possible to accommodate each individuals's financial situation.  All payment schedules are

addressed and agreed upon in writing prior to initiating services.  Unless you and Dr. De Luca agree otherwise, fees

are expected to be paid at the time services are rendered.  Insurance Co-Pays are due at the beginning of each

session

• Average Cost Per Session:  $255

• Initial Evaluation: $285

• Self-Pay Reduced Fees

• Insurances Accepted: 

  • Aetna, AARP (UBH), Beacon, Cigna, Aetna, GEHA, Humana, Medicare, Mutual of Omaha, 

  • Optum [EAP; LHI; Optum; UBH], Teamcare, Tricare, United Behavioral Health, United HealthCare,  

  • & Other Insurance Carriers & Employee Assistance Programs (EAPs).

• Accepted Payment Methods: ACH Bank Transfer, Most Major Credit Cards; HSA; Debit Card.

​

Specialized Professional Services

Payment schedules for the Specialized Professional Services listed below will be agreed upon as they are requested.

These professional services may not be covered by insurance. Any portion not paid by such third parties is the

individual's responsibility. All payment schedules are addressed and agreed upon in writing prior to initiating services. 

Unless you and Dr. De Luca agree otherwise, fees are expected to be paid at the time services are rendered. 

 

Psychological Evaluation & Report  

Psychological Evaluation, Limited Assessment, Interpretation, & Report

Optum Logistics Health Incorporated (LHI) Veterans Affairs Compensation & Pension Examinations (United Health Group)

Family Medical Leave Act (FMLA) Employee Form

Family Medical Leave Act (FMLA) Psychological Report

Disability Psychological Evaluation, Assessment, Interpretation & Report 

Capacity Psychological Evaluation, Assessment, Interpretation & Report 

Emotional Support Animal (ESA) Evaluations & Letter (For established Erie Colorado Counseling clients who qualify)

Pre or Post Surgical Psychological Evaluation & Report 

Letter: Mental Health Special Work Accommodations 

Other

​

Self-Pay Reduced Fee Policy

If you are not covered by a private health insurance plan or employee assistance program, you may decide to pay

for psychological services out-of-pocket. Dr. De Luca offers a Sliding-Scale & Reduced Fee Policy on a limited basis.

where the amount you pay depends on your income.  

​

Insurance

Dr. De Luca is currently on various insurance panels.  Many insurance companies provide coverage for mental health

services (a.k.a. behavioral health services).  If you have private health insurance coverage (typically through an

employer or independently), be sure to check with your insurance company to see if out-patient mental health services

are covered.  In addition, be sure to check with Dr. De Luca to insure that she is a provider with your insurance

company or what other options are available.  If Dr. De Luca is unable to accommodate your particular insurance needs,           

you will be provided with referrals to other licensed therapists who may be of consideration, and who accept your                            insurance.

 

If mental health services coverage is provided, be sure to ask your insurance company the following questions:

-How do I obtain my mental health services benefits?

-Is pre-authorization for mental health services prior to my first visit required?

-Do I need approval for mental health services from my Primary Care Physician (PCP)?

-How much does my plan cover for mental health services within a calendar year?

-How much will the insurance company cover for each session?

-What is the maximum amount that I will be reimbursed for mental health services within a calendar year?

-What out-of-pocket expenses am I responsible for (examples: deductible, co-pays, co-insurance percentages)?

-How many sessions does my plan cover within a calendar year?

-What is my Co-Pay amount for in-network providers?

-What are my costs for out-of-network providers?

-What benefit limitations apply? 

-Is an Employee Assistance Program (EAP) available to assist with costs and licensed therapist referrals?

​​

Out-Of-Network & Self-Filing Insurance Claims

For those who are out-of-network or self-filing insurance claims, Dr. De Luca, will provide a detailed statement of fees 

and necessary information required by your insurance company to assist you in obtaining reimbursement for mental 

health services.

​

Cancellation & Missed Appointment Policy

If you need to cancel an appointment, please notify Dr. De Luca at least 24 hours in advance. If you miss an

appointment or fail to cancel an appointment at least 24 hours in advance, you will be charged a cancellation fee

of $125.00.