Self-Payment and Insurance Options


For Face-to-Face Counseling, I accept Cash, Check, and Credit Card.

Video Counseling will be by Credit Card. 

We do not take your insurance directly. You can use whatever Health Insurance that you have. We are not providers regardless.


You will submit a receipt from us for the services to be reimbursed directly from your insurance company to you.  Our full fee is due at time of scheduling the appointment in most cases or at the time of service. No exceptions. PLEASE CONTACT YOUR INSURANCE COMPANY TO UNDERSTAND HOW TO USE YOUR OUT-OF-NETWORK BENEFITS TO GET REIMBURSED DIRECTLY FROM THEM. 


Video Counseling may or may not be covered by insurance companies. Please check into your plan for their polices.




You will utilizing your Out-of- Network Benefits.  Out-of-Network simply means that you can go to ANY therapist that you choose and this provider is not a member of your insurance companies list of providers.  We have not joined any insurance network, but you can still use your insurance benefits through OUT-OF-NETWORK in your insurance plan. 

See below for more information. 

Flexible Spending Accounts/ Health Savings Accounts


For Counseling Clients-Some Flexible Spending Accounts/ Health Savings Accounts will work in the credit card machine and some will not. We can run the your Card to see if it will accept the charge. In the event that the Card does not work, you will pay for the session, and we will give you a receipt for you to submit for reimbursement from your FSA/HSA. This is a normal procedure and should not cause any issues in reimbursement. 


Counseling Clients wishing to use their Health Insurance


You will be able to utilize your health insurance benefits through your Out-of- Network benefits provider services. Services may be covered in full or in part by your health insurance or employee benefit. You will be required to make payment in full at time of service and submit a receipt to the insurance company for reimbursement. We will provide a receipt for you to submit. 


Please check your coverage carefully by asking the following questions:

 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?



Benefits for Not using Insurance for Payment


Many clients prefer to self-pay due to privacy of treatment. When the insurance company is involved, the number of sessions is controlled, which may cause therapy to end before the treatment is completed.  In addition, the insurance company will require the therapist to give the client a clinical mental health diagnosis, which will remain in the permanent insurance file. The insurance company may ask to see your confidential therapy file, and the therapist is obligated to send a copy of your file to them. Your privacy and confidentiality cannot be protected from the insurance company.


Please note:

$75.00 charge for checks returned Non-Sufficient Funds (NSF) or disputed Credit Card charges, in addition to the regular session charge. 


If you have any questions or concerns, please contact our office. Thank you