Fees & Payment

Dr. Quarto provides counseling & psychological testing services to Tennessee & Michigan residents.  He does not conduct court ordered evaluations.  Clients who make a financial commitment to participate in counseling or obtain a psychological evaluation are investing in themselves in the long run.  Mental wellness is the key to a healthy and happy life.


Dr. Quarto’s fees are competitive and based on his education level, experience and expertise (call around and see what other Ph.D.-level psychologists are charging for their services):

Payment options

Insurance:  Although Dr. Quarto no longer participates on insurance provider panels he can provide you with a special receipt (i.e., “superbill”) that you can submit to your insurance company for possible reimbursement of services.  This can easily be done using an app from Reimbursify (https://reimbursify.com/individual-page/).

How does Reimbursify work?  It’s simple:

  1. You see Dr. Quarto and pay for the visit.
  2. He will give you a detailed receipt (known as a “superbill”) that has the necessary information on it to file a claim with the Reimbursify app within minutes.
  3. The app will alert you when the claim has been received by your insurance company and then again when you should expect your reimbursement check in the mail (usually within 2-4 weeks). That’s it! There are no forms to fill out, nothing to fax or mail, and nothing to remember.

Payment is due in full at the end of each counseling session or psychological evaluation appointment.

Health Savings Accounts/Flexible Spending Accounts (HSAs/FSAs): You may work for a company that contributes to a Health Savings Account.  These funds may be used to offset the costs of mental health services.  HSAs and FSAs allow clients to spend pre-tax income on medical expenses such as counseling and psychological evaluations.  You are encouraged to check with your human resources office to find out if these options are available to you.

Counseling and psychological testing services are usually tax deductible as a medical expense.

Self-pay:  In addition to cash and check, debit and credit cards are acceptable forms of payment (debit/credit card only for online appointments).


You know Square as the little white credit card reader that plugs into a smartphone so your favorite food truck, coffee shop or boutique can accept payments. Square is used by millions of small and large businesses across the U.S.  With Square Installments you can apply for financing and take up to 12 months to pay for services!  Check out “Frequently Asked Questions” about Square Installments here: https://squareinstallments.com/apply/cjq

PayPal also offers financing for up to a year (and no interest if account is paid in full in 6 months): https://www.paypal.com/us/webapps/mpp/paypal-credit



509 Crossway Ave.
Murfreesboro, TN 37130

(615) 403-5227

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