Frequently asked questions
Is an OSE evaluation the right next step?
Why choose Oceanside Evaluations?
How do I get started?
Do you accept insurance?
What is a Superbill, and how does it work?
How much does an evaluation cost?
Do you offer payment plans?
How do I ask my insurance about out-of-network benefits?
Will the evaluation affect my child's records?
Why do you not accept insurance?
Still have questions?
Is an OSE evaluation the right next step?
If you're here, something isn't adding up — for you or someone you love. Our goal is simple: give you a clear, readable report that explains strengths and challenges, provides actionable recommendations, and offers a diagnosis when warranted. If we're not the right fit, we'll tell you that too.
Private-pay clients are welcome to schedule a free 10-minute phone consultation with one of our doctors before committing to an intake session. Contact us, and we'll match you with the right evaluator.
Why choose Oceanside Evaluations?
We are an assessment-first practice. Evaluations are not a side service — they are what we do.
Our evaluations are more comprehensive than insurance-based testing. We assess the whole person and adjust in real time as new questions emerge.
Our Doctors of Clinical Psychology are licensed to provide diagnoses. Not all testing psychologists are.
Wait times elsewhere can be 9–20 months. We are currently scheduling 2–4 months out and do not overload our calendar — meaning you get more personalized attention.
We do not narrow our lens. Other providers may limit testing to the exact referral question. We follow the data where it leads.
How do I get started?
Call or email our office — we're a small, personal practice and do our best to respond within 2–4 business days. Phone: 757-771-0269 Email: admin@oceansideevals.com
If you do not hear back within four business days, please try again.
We do not offer online booking because we carefully match each client with the right evaluator for their needs.
Do you accept insurance?
We accept Tricare only. We do not bill other insurance providers directly, and here's why: insurance companies restrict psychological and neuropsychological testing to what they deem "medically necessary," limit the scope of what we can assess, and require that any diagnosis become a permanent part of your medical record. We believe those decisions should belong to you and your clinician — not an insurance employee.
That said, most private-pay clients do receive partial reimbursement through out-of-network benefits. We provide a superbill after your evaluation that you can submit directly to your insurance company.
Tricare clients: An intake appointment is required to determine medical necessity. Educational testing not covered by Tricare may be added for an additional fee.
** See below for how to talk to your insurance company to get more information on this question.
What is a Superbill, and how does it work?
A superbill is a detailed receipt that includes the procedures performed (CPT codes) and any diagnoses assigned (ICD-10 codes). Unlike a standard invoice, it contains everything your insurance company needs to process a potential reimbursement claim. You submit it directly to your insurer after paying OSE.
Note: A diagnosis is required to generate a superbill. If you prefer not to have a diagnosis on record, you may still receive a full evaluation report — you simply would not be eligible for insurance reimbursement.
How much does an evaluation cost?
We don't use a one-size-fits-all pricing model because not every evaluation requires the same scope of testing. The cost for a full assessment is $3,200. We're happy to give you an estimate based on your specific concerns before you commit.
See our full [Assessment Pricing page] for details.
Discounts available:
5% discount when paid in full by check or cash at least two weeks before your intake session
2% discount when paid in full by card at least two weeks before your intake session
Do you offer payment plans?
Yes. Payment is structured as follows:
$375 deposit to book your intake and testing session
Half the remaining balance is due on intake day
Final balance due on feedback day
We can adjust timing between intake and feedback if you need additional flexibility.
Clients may also apply for the Advance Care Card (advancecarecard.com) — a medical credit card that often offers up to 15 months interest-free. OSE has no financial relationship with this company.
How do I ask my insurance about out-of-network benefits?
Call the member services number on your insurance card and ask:
"What are my out-of-network benefits for behavioral health testing?"
"How much is my deductible, and can this evaluation apply toward it?"
"What percentage of costs will I be reimbursed after meeting my deductible?"
"What is the maximum reimbursement for CPT codes 90791, 96116, 96132, 96133, 96136, and 96137?"
"How do I submit a superbill?"
If your insurer asks, our NPI number is 138-610-8876 and our EIN is 82-2758091. We're happy to provide likely diagnosis codes (such as F90.2 for ADHD or F41.1 for Anxiety) to help you have that conversation before testing begins.
Important: Insurance typically only reimburses testing deemed "medically necessary." Educational testing is rarely covered, even when neuropsychological testing is approved.
Will the evaluation affect my child's records?
Only if a claim is filed with insurance. Oceanside Evaluations maintains your records in strict confidence. However, if a superbill is submitted to an insurance company, a diagnosis must be included — and insurance companies are not bound by the same confidentiality standards we are.
Our private-pay reports are also routinely used to request accommodations at independent and private schools, where documentation requirements often exceed those of public schools.
If you have Tricare but prefer not to file a claim, you may sign a form to opt out. In that case, a superbill would not be issued.
Still have questions?
No worries! We are here to help! You can call the office or email. We are a small, personal operation, and we do our best to get back to you within 2-4 business days if we cannot answer right away. Phone: 757-771-0269 Email: admin@oceansideevals.com
Why do you not accept insurance?
Our goal is to give you an evaluation that is comprehensive, timely, and affordable. We don't want decisions about your evaluation made by insurance employees. We want decisions about your care to be made by you and me. We want to do the assessments that we feel are best, not ones that are more likely to be paid by an insurance company. Insurance companies require a diagnosis and then make it a permanent part of the client’s medical record. We feel that our clients should be able to choose if they want to do that. Insurance companies do not cover testing for learning concerns and many other areas that we assess. Although they would tell us that the evaluation was covered, they would often leave us without compensation.
It is not the responsibility of Oceanside Evaluations to ensure getting paid for services rendered. We tried accepting insurance and found that we were paid a small fraction of the assessment billing in most cases. Our focus needs to be on the assessment quality and not on negotiating payments from lots of different insurance companies. As professionals, we have no legal rights in the contract you have with your insurance company, so that they can deny payment, and we have no recourse.
So, what are the essential things to keep in mind?
Neuropsychological testing often consists of both educational and neuropsychological testing. Even if your insurance company covers the cost of neuropsychological testing, educational testing is rarely covered.
Most insurance companies will only cover neuropsychological testing if they deem it medically necessary to make a diagnosis.
The referring clinician needs to highlight any relevant medical issues in the referral form. These can include issues such as a head injury, premature birth, stroke, epilepsy, congenital abnormalities, head trauma, memory problems, and any relevant medical diagnosis.
Having a medical doctor make a referral for a neuropsychological assessment can help with the insurance company’s willingness to pay for these services.
Some insurers will not cover neuropsychological assessments if the child has already undergone a similar assessment in the past 12 (or 24) months.
It is important for you to call the number on the back of your subscriber identification card to inquire about coverage for behavioral health testing.