FAQs

A: Individual therapy sessions at Night Owl Psychotherapy are $250 per 45-50 minute session. Many clients find that investing in specialized ADHD therapy saves them significant time, money, and emotional energy in the long run. When ADHD goes unaddressed, the costs show up elsewhere: missed deadlines, strained relationships, lost jobs, and years of self-doubt that could have been avoided.

A: Night Owl Psychotherapy does not accept insurance. Dr. Goguen is an out-of-network provider and does not bill insurance directly. However, many PPO insurance plans will reimburse a portion of out-of-network therapy costs. Each month, you'll receive a superbill — a detailed receipt — that you can submit to your insurance company for reimbursement. Before starting therapy, it's worth calling the member services number on your insurance card and asking: "What is my out-of-network mental health benefit?" This will tell you what percentage they cover and whether you have a deductible to meet first. HSA and FSA accounts can also typically be used for therapy sessions.

A: Yes. Health Savings Account (HSA) and Flexible Spending Account (FSA) funds can typically be used to pay for therapy sessions with a licensed psychologist. This applies to out-of-network providers like Night Owl Psychotherapy, and to telehealth sessions as well. Using HSA or FSA funds is a straightforward way to reduce your out-of-pocket cost for therapy without relying on insurance reimbursement. You can pay directly at the time of your session using your HSA or FSA card, just as you would any other health expense. If you’re unsure whether your specific plan covers mental health therapy, a quick call to your HSA or FSA administrator can confirm. Most do — and many clients find this is the simplest way to make specialized therapy financially accessible without the wait time of insurance reimbursement.

A: In most cases, yes. California law requires that insurers cover telehealth services at the same rate as in-person care. If your plan covers mental health services, it should cover online therapy sessions as well. As an out-of-network provider, Dr. Goguen provides superbills that you submit directly to your insurance for reimbursement. Coverage and reimbursement rates vary by plan, so confirming your specific benefits beforehand is always recommended.

A: Some insurance companies will reimburse a portion of the fee paid to out-of-network psychologists. I am happy to provide you with a receipt (called a superbill) which will contain the information typically needed for reimbursement. If you are planning to use your out-of-network benefits, please contact your medical insurance company for answers to the following questions: “Does my plan reimburse out-of-network providers?” “What services does my insurance plan cover for mental health services?” “Does my plan include out-of-network benefits for mental health care? Specifically, for outpatient online video psychotherapy (telehealth, telemental health) with a licensed psychologist?” “Do I have a deductible for out-of-network mental health services?” If yes, “what is the remaining amount I will have to pay before my health plan starts to reimburse me for fees that I pay out-of-pocket?” “What is the maximum amount my plan will reimburse for 45-50 minute individual psychotherapy sessions with a Psychologist?” If the representative does not provide a clear answer, ask: “What is the maximum allowed amount for mental health service code 90834 with a psychologist, and what percentage of the maximum allowed amount will my plan pay?” (This percentage of the maximum allowed amount is the amount you would receive as reimbursement.) “Is there a limit to the number of sessions per calendar year?”

A: I offer evening appointments starting at 4 pm and as late as 10 pm, fully online throughout California. If a traditional 9–5 schedule doesn't work for your life — and for many women with ADHD, it doesn't — that's exactly why I built my practice this way.

A: Getting started is simple. You can click the “Book My Free Phone Consult” button below to schedule a brief, 15-minute call. During the consultation, we’ll talk about what’s bringing you to therapy, what you’re hoping to achieve, and whether my approach feels like a good fit. If you prefer, you can also call or text me directly at (626) 765-1846 to set up your consultation or ask any questions before booking. Together, we’ll find a time that works for you and begin creating a plan that supports your goals.

A: Night Owl Psychotherapy provides online therapy to women throughout the entire state of California. Dr. Goguen is based in Altadena (near Pasadena and Los Angeles) but serves clients in San Francisco, San Diego, Sacramento, Orange County, the Bay Area, and everywhere in between. Because all sessions are conducted online via secure video, location within California is not a barrier to receiving care.

A: The best way to find out is through a free 15-minute phone consultation. During this call, you can share a little about what you are experiencing, ask any questions you have, and get a genuine sense of whether the approach feels like a fit. Dr. Goguen will also be honest with you about whether she thinks she can help — and if not, she will tell you. There is no obligation and no pressure. The goal of the consultation is simply to make sure the connection is right before any commitment is made.