Payment is accepted in the form of all major credit cards, check, or cash.


The Bell Center does not participate with any insurance plans and is considered an Out-Of-Network Provider. Each month, you will receive a Superbill that includes information your insurance company needs to process your claim. Please note that even with out-of-network benefits, it is possible that not all services will be covered. It is strongly recommended that you contact your insurance company prior to your first appointment to confirm what, if any, out-of-network benefits you may have.

The Bell Center is not able to participate in single case agreements. You may want to negotiate directly with your insurance company to see if they will make an agreement directly with you, with the Bell Center remaining an out-of-network provider who is not a direct party to said agreement.

Dr. Bell has opted-out of Medicare.  Clients with Medicare may receive services from Dr. Bell but will not be able to submit to Medicare for any reimbursement.  They may submit to their secondary insurance programs for reimbursement if they have out-of-network benefits through this plan.

For individuals with TRICARE, CHAMPVA, or US Family Health Plan as a primary or secondary insurance, Dr. Bell is an authorized provider who is non-network and non-participating. Dr. Bell bills “above the 115 percent limit” allowable through these plans. Individuals with this coverage must first be granted a Waiver for Balanced Billing Limitations by their insurer before receiving services from Dr. Bell. Dr. Bell can assist in the application for a Waiver for Balanced Billing Limitations from the insurer.  Dr. Bell cannot provide services until this request is authorized and a copy is provided to Dr. Bell prior to the first visit.

Recommended questions to ask the insurance company

  • Do I have out-of-network coverage?
  • Do you require a referral for services?
  • Do you reimburse for services related to my diagnosis?
  • What is the reimbursement rate for a standard session?
  • What is the reimbursement rate for family therapy (or other service)?
  • Do you reimburse for sessions longer than forty-five (45) minutes?
  • Do you reimburse for two (2) or more sessions in a day?
  • What services would require pre-authorization?
  • Is there a limit to the number of sessions I can have in a calendar year?


The following fee schedule is effective June 1, 2023:

CPT Code*

Session Length


Dr. Bell

Staff Clinicians

Post-Graduate Associates


30 minutes





45 minutes (standard session)





60 minutes





75 minutes





105 minutes






Family Therapy

(with or without patient present)

See individual therapy fees


Group Psychotherapy (any length)

Varies by group


Diagnostic Evaluation

See individual therapy fees

* - Current Procedural Terminology Codes are used by the medical community and insurance companies to categorize services provided. Not all CPT codes are listed in this table. Please ask for the CPT code and associated fee with any other services that you may receive. Longer sessions will be charged proportionately based on the forty-five (45) minute (1 Session) fee.

Experience • Expertise • Effectiveness