Finances & Insurance in Counseling
Therapy is an investment you make in yourself and your well-being. You are worth the investment. For clients who elect to self-pay, the fee for an evaluation is $150. The fee for subsequent sessions is $120 per session. Sessions are generally 50-55 minutes in length.
Payment is expected at the time of your appointment. Forms of payment accepted are: Cash or credit card.
Insurance & OON:
You may be wondering about how insurance works for therapy. Currently I am an in-network provider for Aetna, Anthem BCBS, CIGNA, and Husky (Medicaid).
Before deciding to use your health benefits for therapy, you should be aware of the following:
In order for me to bill your insurance, some of your personal information must be shared with the insurance company to facilitate payment. This information includes your dates of treatment and behavioral health diagnosis. In rare instances, treatment summaries may be requested by your insurance company. Depending on your circumstances, you may not want this type of information disclosed to an outside party, therefore you should give this decision careful consideration.
Should you decide to use your health insurance benefits, please check your coverage carefully before your first session by asking the following questions:
- Do I have mental health insurance benefits?
- What is my deductible per year and has it been met yet?
- How many sessions per year does my health insurance cover? Is there a limit?
- What is the coverage amount per therapy session?
- Will I need to pay a co-pay for my office visits?
As a client, it is your responsibility to be informed of the details and extent of your coverage as it pertains to your therapy sessions. It is also your responsibility to notify me of any changes to your insurance coverage as soon as possible to avoid out of pocket expenses. When possible, I will provide assistance in verifying insurance information, and obtaining information from your insurance provider.
If you have a PPO plan, you most likely have what is called Out-of-Network (OON) benefits. This means your insurance may reimburse you a portion of your out-of-pocket costs as determined by your plan’s coverage. You would pay my full fee, then I can either give you a special receipt to submit to your insurance company or if the insurance plan is already in my billing system, I can electronically submit the required form on your behalf to speed up the process.
Contact your insurance plan directly to find out what they offer for OON coverage. Some clients have the same deductible to meet whether they go in or out of network. And some are reimbursed a different rate for OON providers. OON benefits may make the fee suprisingly affordable, so it doesn’t hurt to call.