live & love well
Scholarships & Insurance
Because good care should be within reach.
My Commitment
I believe everyone deserves high-quality clinical care. If we both feel we’re a good fit, I’ll work with your budget. Cost won’t keep us from working together.
The Live & Love Well™ Scholarship Program offers reduced-fee therapy to individuals and couples who need it.
How the Scholarship Program Works
Scholarships are awarded first come, first served, depending on availability. To apply, new clients complete a brief application, provide income verification, and share their care needs.
If no spot is open when you apply, I will connect you with trusted community programs offering reduced-fee psychological services.
“Everyone deserves access to compassionate, high-quality care, whatever their financial circumstances.”
DR. SIMON
Scholarships are granted for six months at a time and reviewed twice yearly. If your financial situation changes, please let me know so someone else can use the spot.
How Financial Need Is Determined
Eligibility is based on your gross annual household income, family size, and where you live. Because the cost of living in Hawaiʻi and the continental United States differs so much, I keep separate income guidelines for each.
Required Documentation
To apply for a needs-based scholarship, please send verification of household income. A recent pay stub, a tax return, or a letter from a certified accountant all work. Documentation should include all sources of household income, including salary, financial assistance, child support, dividends, unemployment, and financial gifts.
Young adults who receive financial support from a parent or guardian submit that person’s income verification. Scholarship rates are re-evaluated every six months, and I reserve the right to modify, deny, or discontinue a scholarship award at my sole discretion.
Scholarship Hours
Scholarship appointments are typically scheduled in the late morning or early afternoon in Hawaiʻi, and in the mid-to-late afternoon in Colorado. Requests for other times are considered on a case-by-case basis.
A Few Notes on Fees
Individual sessions are 50 minutes unless we agree otherwise. Fees for service over and above standard clinical hours are prorated based on a 60-minute session.
Ready to Apply?
Tell me during your free consultation, or send me a note, and I will email you the short scholarship request form. Nothing about this needs to be awkward. I would rather you ask than decide on your own that therapy is out of reach.
Using Your Out-of-Network Benefits
I’m an out-of-network provider, which means I don’t bill insurance companies directly. Instead, I use Therapy Partner, a secure billing platform that generates a superbill (a monthly statement) at the end of each month or anytime on request. You can submit it to your insurance company for out-of-network reimbursement.
For confidentiality reasons, I don’t include a diagnosis code by default. Most insurance companies require one for reimbursement, so if you’d like a code added to your superbill, just let me know.
Questions to Ask Your Insurance Company
To check what your plan covers, I recommend calling your insurance company and asking:
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Do I have out-of-network mental health coverage?
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Is a referral or pre-authorization needed?
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What documentation is required for reimbursement?
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What percentage of the session fee is reimbursed?
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Do I need to meet a deductible first?
For insurance purposes, my license numbers are CO-3404 (Colorado) and HI-1972 (Hawaiʻi).
Beyond Insurance
I’m glad to help you navigate the reimbursement process. I also offer scholarships for clients with financial need, for Kanaka Maoli clients, and for clients approved by Gesher Community Care, as well as payment plans for clients facing financial hardship. In most cases, cost is not a barrier to working with me.