We know finances are important and understanding the ins and outs of insurance coverage can be stressful! We hope you’ll find these answers to commonly asked questions helpful. Be sure to give us a call if you have other questions.
The answer to this depends on two questions. If you are not using insurance, you will pay the private pay rate for your counselor which will range from $70-$105 in most cases. If you are using insurance, your rate will be determined by your insurance plan’s benefits.
Every plan is different and can’t accurately be estimated. Generally there are two types of benefit plans. Plans with a copay and plans with a deductible.
If you have a copay plan, you will pay a flat copay amount for every session (usually $20-$40).
If you have a deductible plan, you will pay the full rate set by your insurance for each session until you’ve met your deductible amount (usually $500-$5,000 annually). After that, you will begin paying a coinsurance percentage of the rate (usually 10-30%) and your insurance will pay the remainder.
Absolutely! The easiest and most accurate way to do this is to call the member services number on your insurance card and ask how much “outpatient office based psychotherapy” cost. You may also complete the insurance portion of your intake paperwork and we will have your rates available at your first session.
It depends. If you have a copay plan, it’s almost always cheaper to use your insurance.
If you have a deductible plan, our private pay rates and insurance rates are very similar for our licensed therapists. For our resident therapist and interns, however, our private pay rates are lower than most insurance rates.
We would love to have all of our clinicians in network with most carriers. Unfortunately, some carriers limit the types of clinicians who can be in their networks. BCBS/Anthem and United Healthcare/Optum/UMR will not permit resident clinicians in their network.
All our fully licensed clinicians are in-network with most commercial (non-medicaid or medicare) plans. Our resident clinicians are in-network with Cigna and Aetna only. Their lower private pay rate often helps offset the inability to use insurance and at times can be more affordable than using your insurance.
After completing graduate school, all counselors must complete 3,000 hours of supervised practice and practice three licensing exams. A resident is someone in this process while a licensed counselor is someone who has completed this process. Resident’s a counselor who are permitted to practice autonomously as long as they meet regularly with a supervisor.
We understand some clients have caution about seeing resident clinicians. That’s understandable. We take great pride in being selective about who joins our team and have the utmost confidence in our resident clinicians. Our residents are the future great counselors in our community. They are an opportunity to work with excellent, naturally talented clinicians at a more affordable rate.
If you have a copay insurance plan, that is often the most affordable option for therapy. These are common and worth checking out to see if it applies to you.
If you do not have a copay plan, you may expect to pay roughly $100 per session. Most of our clients are seen twice a month but it’s not uncommon for clients to prefer to be seen weekly or at monthly intervals.
If your insurance plan is not an affordable option, you may consider seeing one of our resident counselors who have lower private pay rates of $85 for an intake session and $70 for follow up sessions.
Additionally, we often host graduate student internships. Our sessions with intern clinicians are $45.