Working with Dr. Lily is anything but generic and therapy is tailored to the unique psychological architecture of you. Because your career, biology, and history are distinct, our work begins with Dr. Lily gathering information about you, from you, to allow for the most comprehensive and detailed understanding of your presenting difficulties and the “mud” that aided in their development.

This initial phase allows us to map out your current stressors, identifying the specific "mud" or mental blocks that are currently holding you back.

After establishing an initial overview, our meetings transform into a space designed for meaningful change. We dig deeper than basic guidance, uncovering both thought patterns and physical triggers that stand in the way of optimal performance.

How does payment work? To maintain the highest level of clinical privacy and to ensure your treatment is dictated by your needs, not an insurance company’s requirements, Lotus Psychology PLLC operates as an out-of-network provider. This means we do not accept health insurance directly.

Fees are due at the time of each session. For your convenience, we utilize a secure, automated billing system so that our time together can remain focused entirely on your clinical progress rather than administrative tasks.

Can I use my out-of-network benefits? Absolutely. Many of our clients are successfully reimbursed for a significant portion of their session fees through their "out-of-network" mental health benefits.

While the client is responsible for paying for sessions upfront and submitting their own claims, we aim to make that process as simple as possible. At the end of each month, a "Superbill" (a detailed receipt for insurance) will be automatically uploaded to your secure Client Portal. You can then submit this document to your provider for potential reimbursement.

Pro-Tip for Navigating Coverage: If you’d like to explore your options before we begin, we recommend calling the member services number on the back of your insurance card and asking the following:

• "Does my plan include out-of-network benefits for mental health (specifically CPT codes 90834, 90837, 90791?"

• "What is my out-of-network deductible, and has it been met?"

• "What percentage of the 'allowable amount' do you reimburse for out-of-network providers?"

Choosing an out-of-network, "self-pay" model offers several significant advantages, particularly for those in high-visibility or high-pressure roles where privacy and autonomy are paramount.

• Total Clinical Sovereignty: When you work outside of the insurance system, your care is dictated by your clinical needs and goals, not by a corporate algorithm. You and Dr. Lily decide on the frequency, duration, and specific modalities of your treatment without having to justify your progress to an insurance adjuster.

• Enhanced Privacy & Discretion: Insurance companies require a formal clinical diagnosis to authorize payment, which then becomes a permanent part of your medical record. By opting for a self-pay model, you maintain complete control over your sensitive health data. If you choose not to submit for reimbursement, your clinical information remains strictly between you and Dr. Lily.

• No Arbitrary Limits: Many insurance plans cap the number of sessions or limit the types of specialized performance therapy available to you. Working out-of-network ensures that your treatment can be as intensive or as long-term as necessary to achieve the "bloom" and resilience you are looking for.

In short, this model treats therapy as a private investment in your most valuable asset - yourself! Free from third-party interference.

How long are the sessions?

A typical session will last 45 minutes.

This "clinical hour" is designed for high-impact work, allowing enough time for deep processing while remaining manageable within a demanding professional schedule. The remaining 15 minutes, Dr. Lily dedicates to your individual meeting preparation, clinical file, and treatment planning.

What is the frequency of therapy, and how long will the process take?

The "bloom" of the lotus is a process, not an event. To establish a strong therapeutic alliance and build significant momentum, we initially recommend meeting at least once weekly. This frequency allows us to stabilize the "mud" of immediate stressors and begin the rewiring of long-standing patterns.

Our partnership is dynamic and evolves through three distinct phases:

• The Initial Phase: Sessions to identify the “mud” and implement resilience strategies.

• The Integration Phase: As you gain mastery over your triggers and performance blocks, we may reduce frequency to bi-weekly sessions to practice your new skills in real-world environments.

• The Maintenance Phase: Periodic "check-ins" to ensure sustained growth and peak performance.

Communication is vital to this process. If at any point you feel the cadence of our work needs to be adjusted to better align with your professional or personal progress, we will discuss and adapt the plan accordingly.

Our telehealth sessions are conducted via a high-definition, HIPAA-compliant video platform designed for maximum security and ease of use.

Once a session is scheduled, you will receive a secure link accessible via any smartphone, tablet, or laptop. To ensure the clinical integrity of our work, we recommend:

• A Secure Environment: A private space where you feel comfortable speaking freely.

• Optimized Audio: The use of noise-canceling headphones to enhance privacy and audio clarity.

• Connectivity: A stable high-speed internet connection to ensure a fluid, uninterrupted session.

Is teletherapy as effective as in-person treatment?

Yes, much research suggests that teletherapy is just as effective as traditional in-person treatment for a wide range of psychological and performance goals. For the high-achiever, the virtual model often yields better consistency, as it eliminates the "friction" of a commute and allows therapy to be integrated into a high-demand schedule.

By removing geographic barriers, you gain the flexibility to maintain your therapeutic momentum from the comfort of your private environment, ensuring that your "bloom" is not hindered by your location.

The first step is a brief, confidential consultation to ensure that our clinical partnership is the right fit for your specific goals. You can initiate this process in the way that best fits your schedule:

Contact Form: Please complete the Contact Form on this site. This is often the most efficient method, as it allows you to briefly outline your areas of interest (e.g., high-pressure career navigation, sports performance, or trauma-informed care).

Phone: Call (617) 860-3570.

Because Dr. Lily is often in clinical sessions or consulting during the day, you may reach the Lotus Psychology, PLLC voicemail. Please leave your name, the best number to reach you, and a few windows of time that work for a 15-minute introductory call.

Once we connect, we will schedule your initial intake, where we will begin mapping out your clinical roadmap and the path toward your individual bloom.

What is a Good Faith Estimate (GFE)?

Under the No Surprises Act, you have the right to receive a "Good Faith Estimate" explaining how much your medical care will cost. For out-of-network providers like Dr. Lily, this ensures you are never surprised by the financial investment required for your treatment.

What does this mean for our partnership?

The explanation of fees provided during your intake serves as your primary Good Faith Estimate for the total expected cost of non-emergency clinical services.

What are my rights regarding billing?

If you receive a bill that is at least $400 more than your Good Faith Estimate, federal law allows you to dispute the bill. In such an event, you may:

• Contact the Provider: Inform Dr. Lily that the billed charges are higher than the GFE to request a revision or negotiate the balance.

• Inquire About Assistance: Discuss whether clinical financial assistance is available.

• Initiate Dispute Resolution: You may start a formal dispute process with the U.S. Department of Health and Human Services (HHS) within 120 calendar days (approximately four months) of the original bill date.

Note: There is a $25 fee to begin the formal agency dispute process. If the reviewing agency agrees with you, you will only pay the amount listed on your GFE. If they agree with the provider, the higher amount will be due.

For more detailed information about your right to a Good Faith Estimate or to initiate a dispute, visit www.cms.gov/nosurprises or call 1-800-985-3059.