Fees & Insurance
Clear, upfront pricing — and no insurance gatekeeping.
Armbrust Psychology is a self-pay practice. That means you know what your evaluation costs before it begins, your records stay private, and a licensed psychologist — not a claims reviewer — decides what testing is appropriate. Below you will find the pricing, how out-of-network reimbursement works, and the payment options available to you.
Why this practice is out-of-network
Self-pay works in your favor for testing
Insurance plans rarely cover comprehensive psychological testing well — and the clinics that do accept insurance often carry three-to-six-month waitlists. Going out-of-network removes those barriers.
No gatekeeping
Insurers frequently limit which tests are "medically necessary" and can deny coverage for the thorough, multi-method evaluations that answer your questions. Self-pay lets a clinician scope the assessment to you, not to a billing code.
Faster scheduling
Without insurance prior-authorization queues, scheduling happens promptly instead of months out. For a worried parent or a self-aware adult, getting answers sooner matters.
Full privacy
When insurance pays, a diagnosis and clinical details go into your permanent insurance record. Self-pay keeps your evaluation private to you.
A senior clinician throughout
Your evaluation is conducted personally by Dr. Armbrust, a licensed psychologist — from the first consult through the written report.
Out-of-network reimbursement
Superbills & out-of-network benefits
Many clients with out-of-network benefits choose to submit for partial reimbursement after paying for their evaluation or session.
On request, the practice can provide a superbill — an itemized receipt with the diagnostic and procedure codes your insurer needs. You would submit it to your plan yourself, and depending on your individual benefits, you may seek partial reimbursement for out-of-network services.
An honest note on reimbursement. Reimbursement can never be guaranteed — it depends entirely on your individual plan, your out-of-network benefits, and your deductible. The exact questions to ask your insurer are gladly provided so you know what to expect before you commit.
- The questions to ask your insurer about out-of-network coverage are provided.
- Reimbursement, if any, depends on your specific plan and deductible.
- Payment is due at the time of service; reimbursement comes from your insurer to you.
Transparency
Your Good Faith Estimate
Before any testing begins, you will receive a written Good Faith Estimate of your expected costs.
Under the federal No Surprises Act, clients who are uninsured or paying out of pocket have the right to a Good Faith Estimate of expected charges. This is a feature, not a formality: it means you see your costs in writing, upfront, with no hidden fees and no surprise bills after the fact.
- Provided in writing before your evaluation is scheduled.
- Itemizes expected charges so you can plan ahead.
- A federally protected transparency right for self-pay clients.
Payment options
Flexible ways to pay
Self-pay is designed to be as manageable as possible.
HSA & FSA
Psychological testing often qualifies as an eligible health expense, and you can pay with an HSA/FSA card through the secure Stripe checkout (as long as the card works with Stripe). Check with your plan administrator to confirm what is covered.
Payment plans
Payment is due upfront, before testing begins. Payment plans are not currently offered — but your free consult is the place to ask any billing questions.
Major cards
Major credit and debit cards are accepted, processed securely through the client portal.
Have a question about cost or coverage?
Book a free 20-minute consult to walk through pricing, your Good Faith Estimate, and out-of-network options — no pressure, no obligation.