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You’ve Got Questions - We’ve Got Answers

Will my health insurance cover my visit?

It depends on what type of insurance you have and your specific benefits. Dharma Psychiatry operates on a fee-for-service basis and is considered an "out-of-network" provider for all health insurance plans. If you are eligible for out-of-network reimbursements from your insurance company this may cover up to 80% of the cost of your visits with Dr. Rai. PPO-based health insurance plans often have more out-of-network coverage than HMO plans, however, please contact your insurance company directly to determine your specific coverage and complete any necessary paperwork. Once authorized, you can create your own statement called a “superbill” that you submit to your healthcare insurance company for reimbursement.

Why are you out-of-network for health insurance?

Dr. Rai believes the best mental health treatments combine medications, psychotherapy, mindfulness, exercise, dieting and a variety of interventions based on the latest scientific evidence, his clinical experience and his patients' preferences regarding their bodies/minds. Working as an out-of-network provider allows Dr. Rai to avoid many of the administrative problems plaguing the insurance-based healthcare system today and focus on addressing his patients' unique needs. As a Dharma Psychiatry patient, you will have access to premium features including:

  • Long appointment times (up to 90 minutes) that allow time for accurate diagnostic assessments, collaborative treatment planning, integrated one-on-one psychotherapy, lifestyle modification, and many other treatments.

  • The ability to schedule appointments weekly and sometimes even multiple times per week for intensive treatment.

  • Availability for after-hours appointments (weekdays after 5:00 pm and Saturdays)

  • A convenient online patient portal with secure direct messaging with Dr. Rai, digital prescription requests and online calendar for directly self-scheduling follow-up appointments

  • Convenient automatic online payments by credit card

  • Online-based telepsychiatry visits when unable to come to the clinic due to illness, weather, travel, etc. 

  • Mental health diagnoses and notes remain confidential from insurance companies, employers, etc.

What are your fees?

Fees are based on the type, time and length of appointments. My current fees are:

New Patient Assessments (90-mins) $425| Follow-ups (45-min) ($325) |Follow-ups (25-min) ($225)

How do I schedule a new patient consultation?

You have two options:

(1) Click the "New Patients" button above and complete the prescreen form on Once you create an account you can schedule directly using the online calendar. 

(2) Call (734) 203-0117 and leave your full name, age, phone number and a brief description of your current concerns. 


Once submitted, Dr. Rai will review your information and contact you to discuss your concerns and if our clinic is right for you.  

How secure is my personal information?

At Dharma Psychiatry, maintaining your privacy is one of our primary concerns. We use an advanced Electronic Medical Records system Luminello that maintains the highest encryption and data security standards for healthcare information. If you choose not to request out of network reimbursements, your psychiatric records will remain entirely private to your insurance company. Perhaps most importantly, Dr. Rai follows the traditional practice of writing only medically necessary information in his electronic notes and keeps a separate set of more detailed "therapy process notes" that are protected from unwarranted access.   

Are there any types of mental health conditions you are NOT able to help with?

The ideal management of certain mental health conditions requires a large team and multiple providers from various disciplines (e.g. psychiatric subspecialists, case managers, social workers, psychologists, etc.). Dharma Psychiatry is a small private clinic, and may not be the appropriate treatment setting to provide adequate care for patients who have challenges that involve, require, or include:
● Supervision of other providers
● Court-related testimony, paperwork or mandated treatment
● Treatment of minors (<18 years old)
● Severe Bipolar Disorder
● Schizophrenia
● Eating disorders
● Dementia
● Autism Spectrum Disorders

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