Fee Schedule & Insurance

Individual Therapy Services

-Individual Counseling Intake 75 minutes-90 minutes…. $150-175

-Individual Counseling 60 minute session…..$130

-Individual Counseling 90 minute session…..$175

-Individual Counseling 2-Hour session……..$250

Marriage Counseling Services

-Marriage Counseling Intake 75 minute-90 minutes……$175-200

-Marriage Counseling 60 minute session……$160

-Marriage Counseling 90 minute session……$200

-Marriage Counseling 2-Hour session………$310

THERE IS A $10 DISCOUNT FOR CLIENTS PAYING WITH CASH OR A PERSONAL CHECK.

 


Benefits & Risks of Using Your Insurance

Often, I get calls from potential clients asking if I take insurance. I am not currently on any insurance panels.  I honestly believe there are more risks than benefits to using insurance in counseling. You’re probably thinking, “Why shouldn’t I use my insurance?” The answer isn’t necessarily so black-and-white. It is best you understand the risks and benefits of using health insurance for therapy before making a decision that may have negative and far-reaching consequences.

The Benefits

  • Your insurance can pay for a good portion of your therapy.
  • Your insurance may pay for all of your therapy!
  • You pay for your premiums and have the right to use your benefits whenever possible.

The Risks

  • Insurance panels won’t pay for relationship issues, such as communication skills, parenting skills or pre-marital counseling unless there are symptoms resulting from the relationship issues, such as anxiety or depression. They base claims on “medical necessity” and will only pay for therapy if you qualify for a mental disorder diagnosis, such as Major Depressive Disorder, Bipolar Disorder or an Anxiety Disorder, which I have to disclose to your insurance panel to get reimbursed.
  •  The insurance company requires I focus on alleviating only the symptoms associated with the diagnosis instead of the goals you are hoping to accomplish in therapy.
  • Your level of privacy is compromised. If you are trying to apply for life/disability insurance/private health insurance, these companies require access to any prior health information, which can impact your premiums as well as whether or not you’ll even qualify for the insurance.
  • I might have to discuss your therapy with a case manager and justify why continued sessions are necessary. This means the insurance company decides whether they will continue to pay for your therapy. I don’t want your therapy to be dictated by someone who doesn’t know you or your issues.
  • Your insurance company may require you to have an assessment for medications or they can cease to authorize sessions. This may not be necessary for the issues we’re working on.
  • In a court proceeding, medical records could get subpoenaed, including your mental health records.

What This Means to You

If you want to keep your issues private and the paper trail to a minimum, you will want to look at the risks and benefits of using your insurance to subsidize your therapy and decide if it is the right way to pay for your counseling. I can appreciate you may feel like therapy can become very expensive. Generally, this isn’t true. Many clients experience some improvement fairly quickly–within 6 to 12 sessions.