FREQUENTLY ASKED QUESTIONS

All therapy services are self-pay only. However, wecan work as an out-of-network provider with your insurance company. Before beginning counseling, it is recommended that you contact your insurance provider and ask how much they reimburse for “out-of-network mental health services”. 

Our fees are prorated as follows:

Individual

$150 weekly session

$175 bi-weekly session

$200 monthly session

Couples/families

$200 weekly session

$225 bi-weekly session

$250 monthly session

Intensives available on request

When working with us as an out-of-network provider, many insurance plans will reimburse a significant portion of our fee. After your sessions each month, we will provide a properly coded invoice (superbill) that you may submit directly to your insurance company for potential reimbursement.

Please note that we cannot guarantee reimbursement, as coverage decisions are determined by your individual insurance plan. It is the client’s responsibility to verify out-of-network benefits and coordinate reimbursement directly with their insurance provider.

First, insurance companies may retroactively deny services, which can result in clients receiving unexpected bills. In some cases, insurers may “claw back” payments that were previously issued, requiring repayment if they later determine that the documented diagnosis or level of care did not meet their coverage criteria.

Second, as Catholic counselors, we are committed to ensuring that your faith remains an integral part of your healing and treatment process. Insurance coverage guidelines can become unclear when faith-based integration is central to care. Operating as a self-pay practice allows us to fully incorporate your Catholic faith into the therapeutic process without limitations imposed by insurance reimbursement policies.

Under the law, health care providers need to give clients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services.

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including counseling services.

You can ask your healthcare provider for a Good Faith Estimate before you schedule a service or at any time during treatment.

If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.

For questions or more information about your right to a Good Faith Estimate or how to dispute a bill, visit www.cms.gov/nosurprises.