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Rates, Billing & Insurance

In-Office & eTherapy Rates for Individual, Couple, and Family Therapy
$190 per initial 80 minute intake session 
$155 per 53 minute session
$90 per 30 minute session

Discernment Counseling: $300 for first 120 minute session; $250 for following 90 minute sessions

Premarital Counseling: $500 for a package of four in-office sessions (PREPARE/ENRICH assessments are an extra $29.95 extra per couple, payable to Life Innovations, Inc. at the time of testing).

Please contact me for rates for double sessions or special package offers.

Billing
Payment in full is due at the time of your session. I accept cash, personal checks, VISA and Mastercard, and HSA (health savings account) cards. If paying by check, please be aware that all checks are deposited on the day of service. 

Health Insurance

I accept the following health insurance:

PREMERA NETWORKS: Global, Heritage, Foundation, Heritage Prime, and Heritage Signature

LIFEWISE NETWORKS: LifeWise Preferred, LifeWise Connect, and LifeWise Assurance

I am an out-of-network provider for other health insurance policies (please read more in About Health Insurance Coverage section)

Clients are responsible for knowing their copays and deductibles. Clients are responsible for all charges not covered by their health insurance provider.


About Health Insurance Coverage
Most health insurance policies do not cover individual therapy for minor issues or for couple therapy (although a few policies do). What are covered by health insurance are medically diagnosable mental health issues. However, if an individual covered by the policy has a diagnosable issue (for example, depression or anxiety), that person usually can be treated in whatever manner the therapist deems best. Let's say you're worrying all the time about how you and your spouse are fighting; this mental health issue (anxiety connected with a situation, also called Adjustment Disorder) could be treated by not only addressing your symptoms (the worrying) on an individual level, but working to minimize the situation (the marital fighting) by including your spouse in the treatment.Like most other therapists, I screen all my patients for diagnosable issues on the first visit. These screens are used to medically justify your mental health services. If you do not have a diagnosible issue, I will let you know and we can talk about using my services without health insurance coverage.

There are two basic types of healthcare providers who are covered by health insurance: in-network and out-of-network. In-network means that the healthcare provider has been approved by the insurance company to treat their policy holders. Usually, if you see an in-network provider, the only payment you make to the provider is your usual co-insurance payment and the healthcare provider collects the rest of their fee from the insurance company. An out-of-network healthcare provider is one who is not on your insurance company's approved list; this does not have anything to do with the provider's credentials or expertise. When you see an out-of-network provider, you directly pay the provider their full fee for service and then you (or in some cases, the provider) submits a claim to the insurance company in your name. Generally, insurance companies will refund you a percentage of what they consider an acceptable fee for the service after they receive the claim. Each insurance company is different, but a typical example is this: you see a therapist for a session that costs $150. You pay the therapist $150, and submit a claim to your insurance. Your insurance sends you a check for $68.14, or 50% of what they consider the usual fee. After the refund, the REAL cost to you of the session was $81.86. Yes, I know it's confusing.

The above information may not correctly reflect your specific policy, so please check with your insurance carrier for more information regarding your coverage. Remember, you -- not your insurance carrier -- are responsible for your healthcare charges.

Please check your coverage carefully by asking the following questions:

  • Do I have mental health insurance benefits?
  • Does my coverage include couple and/or family therapy for relational issues, or is coverage limited to diagnosable mental health issues only?
  • What is my deductible and has it been met?
  • How many sessions per year does my health insurance cover?
  • What is the coverage amount per therapy session?
  • Is approval required from my primary care physician?

Cancellation Policy
If you do not show up for your scheduled therapy appointment, and you have not notified me at least 24 hours in advance, you will be required to pay the full cost of the session.

I understand that life has unpredictable emergencies -- if it is less than 24 hours before your session and there is an emergency, please let me know as soon as possible by phone, text or email. True emergencies (as defined by me) may have financial penalties waved.

Advance Payment & Refunds
Advance payment for therapy services is considered on a case-by-case basis.

Occasionally you may be due a refund because of overpayment or a bookkeeping error. Refunds are covered by checks sent to the mailing address in your file.

 

Contact
Questions? Please
contact me for further information.

Helpful Forms

Click here to view and print forms for your appointment.

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