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Fees & Insurance

Regular Hours

Hours are by appointment.  You can easily schedule with Dr. Baumgardner online at www.baumgardner.genbook.com


The office does not accept insurance. Dr. Baumgardner is an out-of-network provider.  Our office will provide invoice statements with all the necessary information needed for you to submit to your insurance company.  This will allow for partial reimbursement.  Since many fee-for-service providers will reimburse between 50%-100% of charges after deductibles, a portion of your care will be covered.  This allows for much greater flexibility and for Dr. Baumgardner to devote more time to your care without the pressure or dictation of treatement by mental health insurance carriers.  Payment is requested at the completion of each session and may be in the form of cash, check, debit card, flex-account card, or credit card. If you choose to  submit the invoice statement to your insurance carrier, your insurance company will then reimburse you directly.  Otherwise, your statement can be used for tax or flex (health care) spending account purposes.    

The fact is that many clients choose to pay for therapeutic services themselves instead of using health insurance.  This choice about using health insurance has some important consequences. In order to bill an insurance company, a diagnosis must be included on the claim.  Sometimes, such a diagnosis may affect current or future health insurance coverage.  Health insurance coverage varies dramatically from one insurance company to the next.  Please be sure to check with your insurance company so you understand your coverage.

Please be sure to let us know if the costs become stressful for you or you have questions about the cost of psychological services.
For some of my patients the cost of therapy still seems daunting.  The office will accept extended payment schedules for both self-pay and insurance patients. This means you can get the care you need now and spread payments out over a manageable time frame...all without interest.  It is important to us that our patients have options so that they can continue to get the professional care they know is necessary.

School Observation, Milieu, Consultation, Forms Completion or Meeting Attendance:  Dr. Baumgardner may available by request for these services. Additional fees billed in quarter hour increments will apply.  This includes extended phone calls, weekends or after hours urgent calls.  It also includes letters written upon request, meeting attendance, and review of past records. Dr. Baumgardner does not serve as an expert witness and typically does not appear in court. If you request her time in court, a block of time must be scheduled in order for Dr. Baumgardner to appear, which prohibits her from scheduling other clients. If cancelled in less than 72 hours notice the full fee will be charged. The fee applies to travel time and time “on-call”, whether or not testimony is given.

Executive Coaching

Rates for Executive Coaching will vary depending upon location and travel.  Group Coaching is available.  Please contact Dr. Baumgardner to discuss your organization's needs.
Psychological Assessment:

Assessment rates vary depending on the referral question.  Usually, Psychological Assessment takes about 5-6 hours.  For every hour spent with the client in assessment, Dr. Baumgardner will spend another 2 or 3 hours scoring and interpreting the tests.  Even very simple assessments require 10-15 hours of a psychologist's time. In general, an assessment costs about the equivalent of 10 -15 hours of individual therapy.  Please call to discuss your assessment needs with Dr. Baumgardner. She has served as the Director of the Maryland Psychological Assessment and Consultation Clinic and is well equipped to work with adults and with children. She is an expert in assessing most childhood conditions and is an outstanding educational consultant.

This office does not accept insurance directly.  However, services may be covered in full or in part by your health insurance or employee benefit plan. Please check your coverage carefully by asking the following questions:

  • Do I have mental health insurance benefits?
  • What is my deductible and has it been met?
  • How many sessions per year does my health insurance cover?
  • What is the coverage amount per therapy session?
  • Is approval required from my primary care physician?

Reduced Fee

Reduced fee or sliding scale services are available on a limited basis.  There is no discount for the intake evaluation.  You are welcome to apply for sliding scale fees after the first appointment.  If you plan to apply, you will need a copy of the tax return for the previous year and you will be asked to complete a short office application. 

Cash, check, debit cards and all major credit cards (Visa, Mastercard, Discover) are accepted for payment.  I'm sorry we cannot accept American Express.

Cancellation Policy
Dr. Baumgardner often has clients on a waiting list in case of a cancellation. Therefore, Dr. Baumgardner has a 48 hour (2 business days) cancellation policy and requires that patients notify her at least 48 hours in advance in order to avoid a cancellation fee.  Additionally, Dr. Baumgardner does not overbook.  She reserves the time specifically for you.  For established patients, if you do not give 48 hours notice, then the full fee will apply for the session.  No shows/No call will be charged at the full fee on the first occurrence.  Fees may be waived in the case of acute illness or emergency.  In the event of illness or emergency, please give me as much notice as you can.  Thank you for being sensitive to the needs of those on the waiting list.

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Request a medication management or therapy appointment online

Questions? Please
contact me for further information.


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