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.
Ways I make therapy affordable
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Live & Love Well™ Scholarship: income-based rates for clients in Colorado, PsyPACT states, and Hawaiʻi.
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Kanaka Maoli Scholarship: suggested tiers for Native Hawaiian clients, with no income check.
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Gesher Community Care Scholarship: your full Gesher stipend, up to $100 a session, comes off my fee.
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Out-of-network insurance: monthly superbills you can submit for reimbursement.
How to apply: three simple steps, with no paperwork unless I ask.
“Everyone deserves access to compassionate, high-quality care, whatever their financial circumstances.”
DR. SIMON
Live & Love Well™ Scholarship
Rates are based on your gross (pre-tax) annual household income, your household size, and where you live. Hawaiʻi has its own limits because the cost of living in the islands is higher. Find your household size in the table for where you live.
How to Apply
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Tell me which scholarship you’re interested in during your free consultation, or send me a note. You can also choose the scholarship option on the consultation form.
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Fill out the short scholarship form I email you. You’ll list your household size and gross (pre-tax) household income, then sign it. No paperwork is needed unless I ask, and then one recent pay stub or the first page of last year’s tax return is enough.
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I’ll confirm your rate before your first session.
Gesher clients only need their Gesher approval, and Kanaka Maoli clients don’t need to share their income at all. Nothing about this needs to be awkward. I would rather you ask than decide on your own that therapy is out of reach.
Good to Know
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Live & Love Well™ scholarships are granted for six months at a time, then reviewed. If your financial situation changes, please let me know so someone else can use the spot.
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Scholarship spots are limited and offered first come, first served. If no spot is open when you apply, I will connect you with trusted community programs offering reduced-fee care.
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Young adults who receive financial support from a parent or guardian list that household’s income.
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Scholarship appointments are usually in the late morning or early afternoon in Hawaiʻi, and in the mid-to-late afternoon in Colorado. Ask me about other times.
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Individual sessions are 50 minutes and couples sessions are 75 minutes. Services beyond a standard session are prorated based on a 60-minute session.
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I reserve the right to modify, deny, or discontinue a scholarship at my discretion.
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.