Question 1

What are your fees and how do you accept payment?

Accepted Answer

Fees
Session costs vary depending on the type of service and the therapist’s level of licensure:
 • Individual Therapy
    • LMFT: $200 per 45-minute session | $250 per 60-minute session
    • LMFTA: $150 per 45-minute session | $200 per 60-minute session
    • Intern: $75 per 45-minute session | $100 per 60-minute session

• Couples Therapy
    • LMFT: $200 per 60-minute session
    • LMFTA: $150 per 60-minute session
    • Intern: $75 per 60-minute session

• Family Therapy
    • LMFT: $200 per 60-minute session
    • LMFTA: $150 per 60-minute session
    • Intern: $75 per 60-minute session

Payment Methods
 We accept:
 • Insurance: If your plan covers mental health services and therapy is deemed medically necessary, we can work with your provider. Please share your insurance information prior to your first session so we can verify coverage and explain co-pays or deductibles.
 • Credit/Debit Cards: All major cards are accepted for direct payment.
 • HSA/FSA: We accept Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA).

Please discuss any financial concerns or questions with us before your first session. We want to ensure that you have a clear understanding of your payment options and any potential costs associated with therapy.

Cancellation Policy
 We require at least 24 hours’ notice for cancellations or rescheduling. Sessions canceled with less than 24 hours’ notice are charged at the full session fee (whether private pay or insurance). This policy helps us honor our therapists’ time and make space for other clients who may be waiting for an appointment.

If you need to cancel or reschedule, please contact us as soon as possible. We appreciate your understanding and cooperation.

Question 2

Do you accept insurance? If so, what insurance(s) do you accept?

Accepted Answer

Yes, we do. However, in order for therapy to be covered by your health insurance, it must be deemed medically necessary. If your plan does not consider therapy medically necessary, you will be responsible for the full session fee.
We accept insurance through Alma and Headway and are in-network with many major carriers.

Insurances Accepted:
 • Aetna (NC, NY, VT, VA, MD)
    • Allied Benefit Systems – Aetna
    • Christian Brothers Services – Aetna
    • Trustmark Health Benefits – Aetna
    • Trustmark Small Business Benefits – Aetna
    • Health Scope – Aetna
    • Meritain
    • Nippon
 • Anthem Blue Cross Blue Shield (NY through Headway; Anthem EAP coming soon in VT)
 • Blue Cross Blue Shield (MA, NC, NY; VT coming soon through Headway)
 • CareFirst BlueCross BlueShield (coming soon in VA)
 • Carelon Behavioral Health (coming soon in NY, NC, VA, MD, VT through Headway)
 • Cigna (NC, NY, VA, VT, MD; Trustmark Health Benefits – Cigna)
 • Empire Blue Cross Blue Shield (NY)
 • Horizon Blue Cross Blue Shield of NJ (coming soon in NY)
 • Kaiser Permanente of the Mid Atlantic Medicare Advantage (MD through Headway)
 • Optum (NC, NY, VA, MD)
    • Optum Live & Work Well (EAP)
    • UMR
    • Oscar
    • UnitedHealthcare (All Savers, UHSS, UHC Student Resources, Surest/Bind, Health Plans Inc, UHC Global)
 • Point32 Healthcare (coming soon in VT)
 • Sentara Health Plans ((MD through Headway)
 • Quest Behavioral Health (NY, NC, VA, VT through Headway)
 • UnitedHealthcare Medicare Advantage (VA; coming soon in NY, NC, VT)

Important Notes About Coverage
 • Couples & Family Therapy: Insurance may cover these sessions if one partner or family member is identified as the “Identified Patient (IP)” with a qualifying F-code diagnosis. Insurance does not cover growth-oriented goals (like “improving communication” without a diagnosis). If therapy is not deemed medically necessary, you will be responsible for the full fee.
 • LMFTAs & Insurance: At this time, LMFTAs are only able to accept Aetna in North Carolina.
 • Out-of-Network Benefits: If we are not in-network with your insurance, we can provide a superbill for reimbursement or submit it directly to your insurance on your behalf. Please check your plan’s out-of-network benefits to confirm eligibility.

Question 3

Does my insurance offer out-of network benefits?

Accepted Answer

To determine if your insurance offers out-of-network benefits, follow these steps:

1. Contact Your Insurance Provider: Call the customer service number on the back of your insurance card. Ask them whether your plan covers out-of-network mental health services and what the reimbursement process entails.
2. Inquire About Reimbursement: Ask about the percentage of the session fee that will be reimbursed and if there is a deductible or co-pay.
3. Obtain Pre-authorization: Some insurance plans require pre-authorization for out-of-network services. Confirm if this is necessary and how to proceed with obtaining it.
4. Submit Claims: If your plan covers out-of-network therapy, you may need to pay for sessions upfront and submit a claim to your insurance for reimbursement. Your therapist can provide you with the necessary documentation, such as a superbill, to facilitate this process.

Feel free to reach out if you need assistance understanding your insurance benefits or navigating the reimbursement process.

Question 4

Do you accept medicaid or medicare?

Accepted Answer

We do not accept Medicaid or Medicare at this time. If you have other forms of insurance or payment methods, please let us know, and we can discuss those options. If you need assistance finding a provider who accepts Medicaid or Medicare, we can offer guidance on where to look.

Question 5

What if I have two insurances?

Accepted Answer

If you have two insurance plans, you may be able to use both to help cover the cost of therapy. Here’s how it typically works:

1. Primary and Secondary Insurance: You’ll need to identify which of your insurance plans is primary and which is secondary. The primary insurance will be billed first, and any remaining balance may be billed to your secondary insurance. 
2. Verify Coverage: Contact both insurance providers to confirm your coverage details for mental health services. This includes understanding how each plan handles out-of-network benefits, co-pays, deductibles, and reimbursement rates.
3. Submit Claims: Your therapist will usually submit the claim to your primary insurance first. After the primary insurance has processed the claim and provided their payment or explanation of benefits, the remaining balance can be submitted to your secondary insurance for potential coverage. However, at this time, my billing platform does not allow for me to submit to a secondary insurance. As such, your primary insurance must be an insurance I am in network with.
4. Documentation: Ensure that you keep all relevant documentation from both insurance providers, including explanation of benefits (EOB) statements, to help with claim submissions and follow-ups.

If you need assistance navigating your insurance benefits or have questions about how to handle dual insurance coverage, feel free to reach out for support.