Cost of Care
Your first appointment lays the foundation for our work together. The fee for our first counseling session is $140. All following appointments are $120. A session typically is 50 minutes. Fees are adjusted for shorter or longer lengths and the number of people included in the session.
Can I Use My Insurance Benefits to Pay for Therapy?
Most policies today include a mental health benefit. In making the choice between insurance or fee for service an often overlooked consideration is that all insurance companies require a mental health diagnosis be given in order to pay for services. This diagnosis will become a part of your permanent health information record.
Depending on your current health insurance provider or employee benefit plan, it is possible for services to be covered in full or in part.
When you contact your insurance provider to verify how your plan compensates you for psychotherapy services I recommend asking these questions to your insurance provider to help determine your benefits:
– Does my health insurance plan include mental health benefits?
– Do I have a deductible? If so, what is it and have I met it yet?
– Do I have a co-pay or coinsurance fee? If so, what is it?
– Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
– Do I need written approval from my primary care physician in order for services to be covered?
– Is my plan a HMO (Health Maintenance Organization) or a PPO (Preferred Provider Organization)? Coverage under an HMO limits coverage to services provided by practitioners who are “in-network”. A PPO does not restrict your access to out-of-network practitioners.
Do You Accept My Insurance?
I am currently an in-network provider with most of the plans offered by Cigna, United Healthcare and UMR. As an in-network provider I have agreed to accept the maximum allowable fee set by these companies. I am required to collect the portion of that fee identified as a “co-pay”, “co-insurance” or “deductible” amount at the time of our session. It’s your responsibility to contact your insurance carrier to determine the requirement.
I am an out-of-network provider with most of the other major companies. Most policies have a provision for out-of-network services and will reimburse a portion of your fee. Often this amount will be greater than the maximum amount paid to an in-network provider.
I accept payment in the form of cash, check, all major debit and credit cards, HSA (Health Savings Account) cards, Flexible Spending Account cards, Health Reimbursement Account cards.
I am a participating provider with Cigna, United Healthcare and UMR and will file claims for you if you are insured by one of these companies.
When you choose me as your therapist and want to use your out-of-network benefits I will provide you with a statement called a “Superbill”. This statement shows the amount you paid me and other information required to initiate the insurance billing process. Your insurance company will use this information to reimburse you for the cost of your therapy at the out-of-network rate.
Payment will be requested at the beginning of our session. I have chosen Square as my service provider to process payments made using chip or mag stripe cards. Square offers personal health information security that is compliant with the federal privacy laws under HIPAA. You may know that all credit card processing services charge a transaction fee to merchants. Unlike some merchants, I absorb this charge and do not add it to your session fee.
If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you may be charged for the full rate of the session.
What to Expect
Our first 2 to 4 sessions will involve an evaluation of your needs and desired outcomes. Evaluation generally consists of talking about what prompted you to schedule an appointment, reviewing past events that may be contributing to the situation, and exploring your goals. I may also suggest that you complete assessments to help identify or validate mental health conditions. At the end of the evaluation period I will suggest a plan of care that will guide our future work together.
The frequency and length of therapy session varies by patient and condition. The most often recommended treatment plans include weekly sessions that are 50 minutes long.
What is the Cost of Not Getting Help?
Therapy can be an expensive investment of time and money. When considering the cost of care, a seldom asked but relevant question is “What is the cost of NOT going to counseling?”.
Thinking of the natural connections between your mind, body and spirit, when one is out of balance all suffer. Studies have shown that negative life experiences do adversely effect our mental health. This often leads to physical problems. Negative self-beliefs and emotions not expressed can be held in out bodies and create physical pain, tension and posture problems. The probability of accidental injuries increases with anxiety, stress, and depression. Addictions, heart attacks, and digestive problems can also accompany the symptoms of mental health out-of-balance. Unaddressed mental health issues also negatively impact the quality of personal relationships. In some cases the ability to hold down a job declines leading to unemployment.
I Believe YOU Matter!
Through the process of therapy the symptoms that have been disrupting your life change for the better. As the mind, body and spirit come into balance you feel better emotionally and physically; relationships are more satisfying, you are more able to accept situations, others and yourself, emotions are managed more effectively, and personal joy begins to surprise you as you find your burden has begun to lift.
You matter and you are worth the time invested in the work of therapy. Only you know your personal circumstances. If you are ready to begin and your financial situation cannot bear the expense please reach out to me anyway. I may be able to direct you to and agency or other organization receiving subsidies to offer lowered fees.
Any Other Questions
Please contact me for any additional questions you may have. I look forward to hearing from you!