CHRISTIAN MARRIAGE GROWTH & REPAIR, SEXUAL INTEGRITY, LIFE BALANCE, COACHING
  • Home
  • About Me
  • COURAGEOUS COACHING
  • Sexual Integrity Issues
  • Fees/Payment methods
  • Location


 Fee: $150, for the initial Intake session which is 60 minutes
         $130, for  sessions that are 45-50 minutes  
         $200 for 75-90 minute session

Payment is required at the time of service.
 


Payment method: Cash, major debt/credits, or check due at the time of service unless otherwise planned prior to meeting. 


Cancelation Policy: If you miss your scheduled appointment without 48 hours notice you will be responsible to pay for your missed appointment.
 
Insurance: . SHC, does not directly billing insurances, it is ultimately the client's responsibility for payment if insurance doesn't cover the bill.
Here are some questions to ask your insurance company to learn about your coverage:  

  • Do I have mental health benefits? 
  • What is my deductible and has it been met?
  • How many sessions per calendar year does my plan cover?
  • How much does my plan cover for an out-of-network provider?
  • What is the coverage amount per therapy session?
  • Is approval required from my primary care physician?
The client is responsible for the session fees should insurance reject a claim.


Should I use my health insurance to pay for therapy?

Q:  Should I use my health insurance to pay for therapy?

A:  There are pros and cons to using your health insurance benefits to pay for mental health care.

Pros:

• If you have coverage to see the provider you choose, it will probably be cost effective to use your health insurance to pay for services.

• Whether you are self-employed or work for an employer, you effectively pay a lot of money to have health insurance and it may make sense to get the most out of your benefit package by using insurance for therapy.

• Providers on health insurance panels are generally well-established in the community and may have more experience than providers who do not accept health insurance.

Cons:

• There are many circumstances in which you might want to keep the fact that you are in treatment, as well as any information about that treatment, completely private between you and your therapist.

• In order to qualify for benefits you must surrender a level of confidentiality to the insurance company that would otherwise remain between you and your therapist.

• Insurance company employees may ask for personal information to determine whether or not they think treatment is warranted.  These employees decide if you are eligible for treatment, rather than leaving that decision up to you and your clinician.

• In order for insurance to reimburse your treatment you will receive a mental health diagnosis that goes in your permanent medical record.  This diagnosis constitutes a “pre-existing condition” that may be a disqualification from benefits in the future or may otherwise interfere with your coverage if you change plans.  Once you have used health insurance for mental health care you will also have to disclose your treatment history if you apply for life insurance and in certain other circumstances.

• Insurance policies often limit the number of sessions you are allowed to attend each year.  They may or may not authorize more sessions based on what they determine is a “medical necessity”.  Your therapist will have little say in this decision and making your case may involve a lot of paperwork and footwork on your part.

• Employers often change insurance companies to save money.  You may form a bond with your therapist only to find out that he or she is not a provider on your new plan.

• Insurance companies often limit sessions to 45 minutes.

• Some insurance companies offer different coverage depending on the severity of the diagnosis.  This means that a more severe diagnosis authorizes the client to receive more sessions with a lower copay and higher rate of reimbursement for the clinician than a less severe diagnosis.

• Insurance rarely pays for marital or relationship therapy.  Instead, one partner will be identified as the “identified patient” and will receive a mental health diagnosis.  The insurance company will then authorize conjoint treatment for that person and his/her partner.

 

 
Powered by Create your own unique website with customizable templates.
  • Home
  • About Me
  • COURAGEOUS COACHING
  • Sexual Integrity Issues
  • Fees/Payment methods
  • Location