Panorama Therapy psychologists serve clients in LGBTQ+ therapy, gender therapy, multiracial therapy, and Asian American therapy in Texas, Colorado, New Jersey, Washington, Illinois, and 30+ more states.

Miranda Nadeau, Ph.D. works with clients only in Texas, Colorado, New Jersey, and Florida.

All other psychologists at our practice can see you if you’re located in: Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, Washington D.C., Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, & Wyoming

These states have adopted into law the Psychology Interjurisdictional Compact (PSYPACT), which allows some psychologists who meet strict criteria to practice therapy across state lines.

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Therapy is about connection, and telehealth is just as deep and transformative as in-person therapy–while adding some at-home-in-your-soft-pants comfort & convenience.

Psychological research also speaks to the power of virtual therapy. Provided you have a private space to meet and a strong internet connection, research shows that online therapy is equally as effective as in-person.

*Fees for the exploratory initial session and evaluation include: • Your first therapy session, • Intake documents, • The informed consent process, • Taking your biopsychosocial history, • Any necessary initial assessments, • Clinical evaluation, • Treatment planning, • Creation of your private, secure therapy file

Good Faith Estimates: In accordance with the No Surprises Act, you have the right to receive a Good Faith Estimate of what your services may cost.

Yes.

In-network: Clients with BCBS/Anthem/Horizon PPO insurance plans can use their in-network insurance benefits to see David Hutsell, Psy.D., Amar Saxena, Ph.D., or Kalila Beehler, Ph.D. Be sure to mark BCBS on our contact form and optionally provide your insurance info (we’ll just need your subscriber ID & date of birth at this stage).

Out of network: For all other insurance plans, or to see Miranda Nadeau, Ph.D., you can use your out-of-network benefits for therapy. Read below about how this works.

We understand that affording therapy and navigating the world of insurance can seem overwhelming, especially if we’re not in-network with your insurance company. Rest assured, therapy is often affordable and accessible through the out-of-network benefits in the insurance plan you already have now. We are here to help with the process. Here’s what the process looks like for using your out-of-network insurance for therapy with Miranda Nadeau, Ph.D. and the rest of our team.

1. Explore Your Out-of-Network Benefits

Look in your health insurance online portal, consult your list of benefits, or contact your insurance company to understand your out-of-network mental health benefits. Learn about whether you need to meet an out-of-network deductible, and if so, learn the dollar amount of that deductible. Also learn about coverage percentages for coinsurance/copay, or how much of each session’s fee you may be responsible for. You can also ask about any limits or caveats. Gathering this information is an excellent first step.

2. Superbills – Your Key to Reimbursement

Get started with therapy and let us know you plan to use out-of-network benefits. At each therapy session, you’ll owe the full fee upfront. At the end of every month, we provide you with a detailed receipt called a “Superbill.” This document includes all the necessary information your insurance company needs, like a diagnosis required to use the insurance benefit and relevant CPT codes that describe the services you’re receiving.

3. Submit Superbills for Reimbursement

Upload the Superbill to your insurance portal for review and reimbursement. They’ll call this “claims submission.” The process will differ depending on your insurance company, so call them up or look in your portal for how to submit out-of-network claims. After you submit them, be prepared to twiddle your thumbs a bit as insurance companies take time to send your submission through their system.

4. Receive Reimbursement

Depending on your exact benefits, your insurance provider then sends you a check or uses direct deposit to reimburse you for some of what you paid for your sessions. The exact amount will depend on the details you learned in step 1, but many plans pay 70% to 90% of session fees. What you don’t get reimbursed back is the coinsurance or copay you’re responsible for. Note that you may need to “meet your deductible,” or surpass a certain threshold of medical spending for the year, before your insurance company will reimburse you—you learned that in step 1 as well!

5. Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs)

If you have an FSA or HSA, you can use these funds to pay for sessions at Panorama Therapy. This can be a great way to save on taxes and bills in general.

6. Tax Deductions

Keep in mind that you may be eligible for tax deductions on therapy expenses. Consult a tax professional or read about it on the IRS website to explore this option.

We care about your well-being and are committed to making therapy accessible. Don’t hesitate to reach out if you have questions or need assistance navigating this process.

Are you unable to afford therapy after exploring your out-of-network benefits? Ask if your therapist currently has any sliding scale or reduced fee spots open. 

Yes.

Many clients opt to pay for therapy privately, or “out of pocket,” rather than using any insurance benefits. There are several reasons why this can be a good idea.

1. Declining a diagnosis. Because using insurance benefits means meeting criteria for ‘medical necessity,’ therapists are required to provide a mental illness diagnosis for you and share it with your insurance company. This diagnosis can stay in your files and impact you throughout your life. Privately paying for therapy means skipping the pathological approach to your care and making diagnosis an optional treatment aid rather than a necessary fact.

(Note: This is especially critical for couples therapy, for which insurance companies dictate that a single person in the couple is designated the “identified patient” with a diagnosable problem. Our therapists don’t work in that model of pointing fingers at one problematic partner; instead, the couple as a unit is seen as the client. Insurance rarely covers couples therapy.)

2. Protecting your privacy. Clients are often concerned about the level of privacy they can maintain over their information once it’s shared with a large managed care company (aka insurance companies and the health care industrial complex at large).

3. Maintaining your autonomy. Paying privately for therapy eliminates any requirements or limits related to therapy length, type, or treatment. In contrast, using insurance means the insurance company dictates how long you and your therapist can meet, both in terms of session length and the number of sessions you’re able to have. Private payment ensures you are in the driver’s seat of your own care. It also allows you to keep your therapist even if you happen to change jobs or insurance companies.

4. Focusing on therapy. Private pay allows therapists to dedicate more time to preparing for a client’s sessions, rather than using that time for administration and negotiation with the insurance company. This time is most often used to review notes related to your care, engage in consultation or clinical supervision, attend workshops, or read relevant books or journal articles. The ultimate result is more focused, personalized therapy sessions better suited to your needs.

There are many reasons why clients prefer private pay therapy. If you’re curious about paying out of pocket, we encourage you to discuss your options during your introductory phone consultation and see if this might be a good fit for you.

A good question in this day and age! We take your privacy incredibly seriously and are aware of the risks. We do not and will never record your private therapy sessions, and recording by clients is not permitted. 

We also do not share your health information with any third parties, with the exception of your insurance company should you choose to use BCBS in-network benefits.

Your forms and other information stay secure in an encrypted file, protected also by HIPAA and data privacy laws.

Our therapists have varying schedules throughout the week. Our clinicians offer sessions that start between 10:00 am Central (8:00 Pacific / 9:00 Mountain / 11:00 Eastern) and 5:00 pm Central (3:00 Pacific / 4:00 Mountain / 6:00 Eastern), Mondays to Fridays. Please let us know your scheduling needs when you reach out to us.

Fill out our contact form to get started with individualized, culturally sensitive therapy for queer folks, trans and gender-expansive folks, multiracial people, Asian Americans, and all in between.

Our office staff will connect you with Dr. Miranda Nadeau or another psychologist who may be a good fit for you. Please understand that there may be a wait to meet with someone.