Welcome: If you are reading this page you are probably looking for help for yourself, your family or someone you care about.  Please know that we all go through times and situations in our lives where we feel like we have run out of options… or the strategies and supports we usually fall back on aren’t there or aren’t helping us in the way they used to.  Maybe you are new to therapy or maybe not.  Either way, I know this is an important step and I hope that the information below can assist you in finding what you need.

Services: My staff and I provide individual therapy to children, adolescents and adults as well as relationship (couples) counseling.

Meet Our Team:

  • Matthew Malouf Ph.D.
    • Click here to learn about Dr. Malouf’s background and approach to therapy.
  • Joshua Bock M.S.
    • Click here to learn about Josh’s background and approach to therapy.

What to expect when starting therapy: Your first session consists of an in-depth evaluation to allow your therapist to better understand your history and current concerns and to choose well-supported treatments that are uniquely tailored to you (for couples, we will meet initially as a group and then have a chance to meet one-on-one in the following weeks).  As you go through this process, please know that we understand how talking to a stranger has both pros and cons. To that extent, we strive to be warm, welcoming and genuine. I believe that meeting patients where they are is just as important as being able to provide high quality assessment and intervention.  Part of being genuine also means that we care about your experience in therapy, so throughout our work together my staff and I welcome your feedback (and will likely check in from time-to-time).


Location: Our office is is located in a historic retail/commercial building in the Roland Park neighborhood in Northern Baltimore City.  It is located near I-83 and on major bus routes and has parking in two lots on the front and side of the building as well as unrestricted street parking.  My office is on the 3rd floor and, due to the historic nature of the building, is unfortunately not ADA accessible.  I share my space with several other psychologists.  We welcome you to have a seat in our shared waiting room.  There is an all-gender restroom in the hallway to the right of the waiting room.

Fees and payment:  Our practice fees are listed below.  We offer a free telephone consultation prior to your appointment and are happy to discuss fees over the phone or in person during our first session if you would prefer.

  • $180 for a 50 – minute initial evaluation
  • $165 for a 55 – minute individual session
  • $175 for a 55 – minute couples session

Payments are required at each session, and we accept cash, personal checks or payment via your banks “bill pay” system.  We do not accept credit card payments or Zelle/Venmo/Cash App/Paypal transfers.

Insurance: Malouf Counseling and Consulting is credentialed with Carefirst/BCBS (PPO, POS, HMO and Federal plans) and JHH EHP (only Dr. Malouf accepts EHP).  However, if you have a different insurance plan and it offers out-of-network benefits, you should receive some reimbursement for the cost of services. Most insurance companies that provide out-of-network benefits cover between 50%-80% of the cost per session. We are happy to provide the necessary documentation for you to receive reimbursement for services. We recommend that you contact your insurance provider and inquire about your “out-of-network” benefits (see instructions below).

In-network insurance basics (BCBS/EHP only):

If you are using BCBS or EHP insurance, it can still be helpful to contact your insurer to determine what costs you will be responsible for.  In some cases the cost may be nothing and in others it can be over a hundred dollars per visit.  Typical costs include:

  • Deductible: the amount you have to pay out-of-pocket before your insurance begins paying for your visits (can range from a few hundred to thousands, but may not always apply to mental health visits)
  • Copay: a flat cost you pay for each visit (typically ranging from $0-$50 regardless of the total fee for the visit)
  • Coinsurance: a percentage cost you pay in lieu of a copay (typically ranging from 0%-20% of the total fee for visit)

As an example, let’s assume someone has a $1500 deductible that applies to mental health services and a $20 copay.  If they saw a mental health provider who is in network at a rate of $150 per visit, the individual would end up paying $150 for each of the first ten visits (until they met their $1500 deductible).  Afterwards, they would pay $20 per visit and insurance would reimburse the provider for the rest.  However, if the deductible does NOT apply to mental health, they would just pay $20 from the beginning.

Note that the deductible typically applies to ALL doctor visits.  Using the same example as above, if the individual previously had a medical procedure costing $900, they would only have $600 left on their deductible.  As such they would only pay the full fee for the first four visits (i.e. $600).  After that they would pay their $20 copay for each session.

In either of these cases, if the individual has a coinsurance instead of a copay, their fee is calculated a little differently.  For example, if they have a 20% coinsurance, they would pay 20% of the total charge each session.  Using the example above that would be $30 out of $150 for each visit.  Similar to the copay, the coinsurance only applies once the deductible has been met.

Finally, please know that deductibles restart with your plan year (typically in January, though depending on your plan, it might be a different time).  At that point, regardless of what has already been paid, you will have to pay out-of-pocket until the deductible is met again.

Out-of-network questions to ask your insurance company about your mental health benefits:

  • Do I have out-of-network mental health benefits?
  • What amount will I be reimbursed for the following services with a licensed psychologist?
    • CPT Code 90791 (initial consultation) at a fee of $180.
    • CPT Code 90837 (subsequent psychotherapy sessions) at a fee of $165 per session.
    • If they do not reimburse the above code, how much do they reimburse 90834 (subsequent psychotherapy sessions) at a fee of $165 per session.
    • CPT Code 90846 (couples or family therapy) at a fee of $175.
    • NOTE: if you are seen by Josh Bock M.S. be sure to ask if “incident-to” billing is permitted, i.e. if they will reimburse for sessions with a psychology associate practicing under Dr. Malouf’s supervision.
  • Is there a deductible I need to meet each year before I can begin to receive reimbursement for sessions and is it different for out-of-network providers?
  • Is there a session limit per year?
  • Is there pre-authorization required? If so, what information do you need for this? Is there a specific form that needs to be filled out?