Fees & Payment

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 therapists are charging for their services):


  • Insurance:  If you have a health insurance plan, then your insurance company may cover all or part of the costs of counseling sessions.  Dr. Quarto will be happy to contact your insurance companies to verify your benefits and inform you of these benefits prior to scheduling your first appointment.  Also, Dr. Quarto will submit insurance claims on your behalf to obtain reimbursement for services rendered.
  • Payment (i.e., co-pays, co-insurance, self-pay) is due in full at the end of each counseling session or psychological evaluation appointment.
  • Although Dr. Quarto no longer accepts insurance to cover the costs of psychological evaluations he is happy to provide you with a “super bill,” which is a special receipt you can submit to your insurance company for possible reimbursement of payment for services.  Contact the customer service number on the back of your insurance card to inquire about submitting a super bill for reimbursement.  Here is some additional information:
  • 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).

Insurance company affiliations

Dr. Quarto is a participating provider of the following insurance companies (for counseling only – not psychological testing):

  • Blue Cross Blue Shield
  • Cigna
  • MultiPlan/Private Healthcare Systems (PHCS)

Dr. Quarto is not a participating provider of the following insurance companies:

  • United Healthcare
  • TennCare
  • Upper Peninsula Health Plan
  • Medicare/Medicaid

If Dr. Quarto is not a participating provider of your insurance company’s provider network then it is possible that his services will be covered as an out-of-network provider.  He would be happy to call your insurance company to verify out-of-network benefits (except for TennCare, UPHP or Medicaid/Medicare).

509 Crossway Ave.
Murfreesboro, TN 37130

(615) 403-5227

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