Do you take insurance, and how does that work?
What are your fees?
The fee for individual sessions is $135 for 50 minutes. Couples session are $175 for 60 minutes. Payment is expected at the beginning of each session. I accept checks, cash and credit card payments. Make checks payable to Virtue Counseling.
Therapy appointments are scheduled weekly, especially in the beginning weeks of treatment. Sessions are scheduled with me directly. You must inform me of any cancellations at least 24 hours in advance by calling 571-635-5855 and leaving a voicemail or emailing [email protected] to avoid any charges.
Failure to cancel a session without providing 24 hours advance notice will result in a missed session fee of $75 per missed appointment. I keep the fee lower than the full session rate and apply it to all late cancellations to remove myself from determining acceptable reasons for a miss. Please note that this fee is not covered by insurance and is subject to change.
If you cancel within an hour of the appointment time, “no show,” or forget about an appointment, the full fee will apply and will be billed to your credit card on file. I reserve your time for you and cannot rebook that time when there is a “no show” and I am sitting and waiting for you to arrive. Therefore, I must charge my full fee.
Please be on time for your appointments. Your session starts at the time scheduled and ends 50 minutes from that time. If you are late, please understand that I must end the session as scheduled so that I can complete administrative tasks and start on time for the next client. Payment for services is an important part of any professional relationship. It shows that you value your healing and personal development.
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At this time, I am not contracted with any insurance companies. If you are filing for out of network benefits with an insurance company I can provide you with a superbill to submit to your health plan for reimbursement. If you are using health insurance to cover all or a portion of the cost of treatment, please know that insurance providers require a mental health diagnosis and that services be “medically necessary” to use your benefits. There are many reasons to come to therapy and not all could arguably be considered “medically necessary.” Please consider this before deciding to use your insurance. In addition to requiring a diagnostic code, your insurance company is also provided with your service dates, and may inquire about your treatment progress as a matter of determining eligibility for payment. Insurance does not pay for missed appointments or late cancellations.
When thinking about insurance, you might want to consider the fact that many managed care companies make determinations of whether or not continued mental health treatment is necessary and therefore coverable, all without ever meeting you or your therapist. Also, for insurance to cover therapy, it is required that you be given a psychiatric diagnosis. I am happy to discuss the process with you in greater detail directly as insurance policies and processes can be confusing and overwhelming.
I’m not on any insurance panels, but we can navigate this. I am happy to provide you with a form you can send in to your insurance for possible reimbursement. That means you’re responsible for the fees at the time of our appointment and, depending on your plan, a certain percentage of that may be reimbursed to you by your insurance company.
I encourage you to call the number on the back of your insurance card to find out what your “out-of-network” benefits are just so there aren’t any scary financial surprises. You will want to ask them:
What are my “out-of-network” benefits for counseling/therapy?
Often it is a percentage of an “allowed amount.” Ask them what the allowed amount is, because if they are reimbursing you 50%, that’s great, but 50% of an allowed amount of $80 is a lot less than 50% of my fee of $125-$175.
Ask them where to send what’s called a “Superbill,” that’s the form I’ll give you. I’ll give you everything you need for that, you just need the address or fax number.
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