Dr. McGowan is contracted with most insurance companies and also accepts Medicare, and Armed Forces health insurance. For services not paid for by insurance companies, the patient is required to pay out of pocket.

Before your first visit it is important for you to contact your insurance company and find out what your mental health benefits are. Often companies contract with one insurance company for mental health and a separate one for medical treatment. You should know how many sessions your insurance company covers and if required you must obtain an authorization number. Medical and Mental Health co-pays are always different. We need to know your insurance information before your first session. If for some reason your insurance does not pay for your session, then you will be responsible for payment. Patients may have a deductible which must be met before the insurance company will pay for counseling. Be sure to check on your deductible, as we will require you to pay out of pocket for services not covered by insurance.

Usually insurance companies will pay for one 45-50 minute therapy session per day. If you should need a longer session or more than one session per day, you will be required to pay for these sessions out of pocket, unless you receive approval and proper reimbursement from your insurance company.