Generally payment is made at the time of each session. I am open to making alternative arrangements when necessary.
Limited number of reduced fee appointments as needed.
I am not on any insurance or HMO panels.
However, monthly I can provide a statement which you can submit to your insurance company for out-of-network reimbursement.

Kathy Gusewelle MFT
830 Bay Ave Suite-D
Capitola, CA 95003