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Session fees for private-pay clients are due at the time of service, and can be preferably paid by cash or check (I also accept all major credit cards). I may not be able to bill your insurance companies directly, but I can offer you a superbill that you can submit to your provider for possible reimbursement, or submit at end-of-year for tax purposes.
If I bill insurance for you, the normal billing rate will be consistent with the Workers Compensation Physician Fee Schedule. However, clients who pay by cash, check, or credit card at the time of service, will receive the discounted cash-rate of $125 per session (45-50 minutes).