Fees, Insurance and Payments

If you’ve received a bill from Dr. Chalmer, follow this link.

For Couple Intensives, follow this link.

You can make payments via credit or debit card (including HSA cards) at this link.

For 45-minute sessions, Dr. Chalmer’s fee is $180 for the first session, and $150 for subsequent sessions. Dr. Chalmer accepts some insurances for 45-minute sessions (see below). Dr. Chalmer does not accept EAP referrals.

For longer sessions, called intensives, Dr. Chalmer does not accept insurance (even for part of the time)–intensives are a separate service, offered on a self-pay basis only. Fees for intensives are as follows:

  • $200 for 60 minutes*
  • $250 for 75 minutes 
  • $300 for 90 minutes
  • $350 for 105 minutes
  • $400 for 120 minutes
  • $450 for 135 minutes

*60 minute sessions are offered only after the first session

Because of the extended time, intensives are reserved by prepayment. Dr. Chalmer will provide the payment link to you when you set up the appointment. Please prepay promptly, since the time can be offered to others until it’s prepaid.

Insurance information (45-minute sessions only): 

Even for 45-minute sessions, there are good reasons why you might prefer to self-pay, rather than use insurance. However, if you wish to use insurance (only for 45-minute sessions), Dr. Chalmer accepts insurance from many different companies, including Medicare, Medicaid, and most (though not all) insurance plans that serve Vermont. For plans in which Dr. Chalmer is an in-network participating provider, the fee is governed by contract.

Dr. Chalmer is in-network for Blue Cross/Blue Shield, CIGNA, MVP, Medicare, and Medicaid, among others. Dr. Chalmer is out-of-network for United Healthcare/Optum and Tricare.  If you are unsure if sessions with Dr. Chalmer are covered by your plan, please check with your insurance plan. Note: Dr. Chalmer does not accept Employee Assistance Plan (EAP) referrals.

If you are using insurance, please make sure you obtain any necessary referral or authorization for treatment.  Some plans will not pay for sessions that have not been authorized.

You are responsible for deductibles, copays, or, if insurance does not cover the service, the full fee.  Payment is required at the time of service, unless other arrangements have been made. Please note that Dr. Chalmer will submit insurance claims for your primary insurance electronically on your behalf, but in case of difficulties with your insurance you are responsible for following up with the insurance company and ensuring payment in timely fashion. If insurance denies the claim, you are responsible for the full fee.

Missed appointment/cancellation policy

When you make an appointment, the time is reserved for you.

For intensives, as noted above, times are reserved by prepayment. No refund will be made for any session cancelled within seven (7) full days of the scheduled time. More than seven days notice allows a refund of prepayment, less the fees Paypal charges (they no longer refund their fees when a refund of a payment is issued), approximately 3%.

For 45-minute therapy sessions, if you miss or cancel a session with less than 24 hours notice, you may be billed the full fee for the session. Missed or cancelled sessions cannot be billed to any insurance.

No Surprises Act notification

The No Surprises Act, as the name indicates, was designed for situations in which you might be surprised by a large medical bill for services for which you did not know the cost in advance. It’s the kind of situation that arises especially in hospitals, when you may be receiving treatment from many providers, sometimes without consulting you first. In the context of your work with Dr. Chalmer, this situation cannot occur, because you always know the cost of his services beforehand, and can choose to use them or not. However, the law requires that even sole practitioners provide a “Good Faith Estimate” of what your work will cost. Dr. Chalmer’s version of that document is at this link.