Insurance and Fees

We require that all clients place a card on file so that all fees can be charged electronically through our practice management system. The card on file can be a credit card, debit card, flexible spending account (FSA) card, or health savings account (HSA) card. This allows us to leave the billing and payment process to happen behind the scenes and outside of the therapy session.

If you are not sure whether your insurance will pay for therapy services, look at the back of your insurance card and call the number that is listed for mental health and/or behavioral health services or MH/SA.

Below are some questions we encourage you to ask:

• Is authorization of approval required by my primary care physician?
• Do I have mental health counseling and/or marriage counseling benefits?
• What is my deductible and has it been met?
• Do I need to meet my deductible before my plan will begin covering the cost of my therapy?
• Do I have a copay or coinsurance?
• How many sessions per the calendar year does my plan cover?
• What is the coverage amount per therapy session?

If you have questions about your particular health insurance policy and what it will cover for your therapy services, we highly suggest that you contact them directly or look at your plan’s mental health benefit manual. Every policy is different as far as needing or not needing to meet a deductible, having a copayment each session, or needing to pay a certain percentage (i.e. 10%, 20%, etc.) of the usual and customary fee that your insurance company allows.

Yes, you can use your Health Savings Account or Flexible Spending Account for therapy and counseling services. Using a pre-tax Flexible Spending or Health Savings Account for therapy is an excellent way to save money.

If you would like to work with one of our clinicians but have an out-of-network insurance, we welcome the opportunity to work with you. We will collect payment at the time of session for the fees stated above. In addition, we may have the ability to submit an out-of-network electronic billing claim for you if your insurance company is connected and “talks to” to our billing system. If the two systems don’t connect, then we would provide you with an itemized statement for each fully paid session, and you can then submit it directly to your health insurance provider for direct reimbursement to you. 

Some out-of-network insurance companies reimburse our clients a significant portion of the full cost for each therapy session. However, there is no guarantee. We encourage you to contact your insurance provider to see if they accept out-of-network provider billing statements and at what rate they would cover the cost of therapy. 

If you are a self-pay client, that means you are:

• a person who is specifically requesting to not use any insurance to help pay for services
• a person who is not requesting Health and Healing Therapy to bill and submit your insurance for you
• a person who will be submitting a claim yourself through your out-of-network insurance company
• a person who has no current insurance and has opted to pay for services in full

As a self pay client you are solely responsible for covering the full cost of your treatment sessions. Payment for sessions is due in full on the day the service is rendered. 

You have the right to receive a “Good Faith Estimate” which explains the total expected cost of any non-emergency items, services, or medical care. This includes related costs such as medical tests, prescription drugs, equipment, and hospital fees. Learn more about your right to a Good Faith Estimate under the “No Surprises Act.”

Health and Healing Therapy shall provide you a Good Faith Estimate in writing prior to your first session and will additionally provide another one upon request. If you receive a bill that is substantially higher (more than $400) than we estimated on your Good Faith Estimate, you can dispute the bill. We suggest you save a copy of any Good Faith Estimate you receive.

For Out-of-Network Clients:

If you have an insurance plan for which we are not in-network, and you choose to work with us, receiving care from Health and Healing Therapy could cost you more than if you received care from an in-network provider. 

• If your insurance plan covers the item or service you are getting, federal law protects you from higher bills when you get emergency care from out-of-network providers and facilities or when an out-of-network provider treats you at an in-network hospital or ambulatory surgical center without your knowledge or consent. Ask your healthcare provider or patient advocate if you need help knowing if these protections apply to you. 
• According to federal regulations, a waiver can be signed to pay the full fees, which may be more than your in-network benefits, which may mean you have given up your protections under the law. You may owe the full costs billed for items and services received. Your health plan might not count any of the amount you pay toward your deductible and out-of-pocket limit. Contact your health plan for more information regarding your out-of-network benefits. 

You should not sign any waivers if you did not have a choice of providers when receiving care.

For example, a doctor was assigned to you with no opportunity to make a change (or without choice). Before deciding whether to sign a waiver, you can contact your health plan to find an in-network provider or facility. If there isn’t one, your health plan might work out an agreement with a provider or facility. 

“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care – like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider. For more information about your rights and payment disputes, visit the Medical Bill Rights page of the Centers for Medicare & Medicaid Services (CMS.gov).

Our clinical interns are able to provide reduced fee therapy services to those in our community who show financial need and:

• do not have medical insurance
• do not have mental health therapy as a covered service in their medical plan, or 
• cannot afford therapy due to their insurance deductible being too high and, thus, decide not to use health insurance

Our practice values include focusing on teaching, consultation, and clinical training. This can often involve having practice therapists and/or clinical interns who are not the primary therapist observe individual, couples, and/or group therapy sessions. 

In order to continue to evaluate the clinical skills, care, and approach of our therapists-in-training, our interns will at times audio or video-record a session for their supervisor’s review and feedback. This can be helpful to your therapy process and growth as it will join two clinical minds together to develop interventions and a helpful treatment plan that will benefit change and growth.

You may decline to consent to this experience at any time without repercussions to your care with Health and Healing Therapy PLLC. If you have further questions about session recordings and the supervision process, your therapist can provide more details once your therapy begins. 

Our graduate interns have experience and training with the following concerns:

• Anxiety
• ADHD (Attention Deficit-Hyperactivity Disorder) 
• Autism
• Body Image Concerns
• Depression
• Disordered Eating and Eating Disorders
• Financial Stress / Strain
• Grief and Loss
• LGBTQIA+ Concerns
• Highly Sensitive People (HSP)
• Problem and Compulsive Gambling
• Rejection Sensitivity Dysphoria
• Relationship Stress
• Relapse Prevention with Substances and/or Problem Gambling
• Relationship Stressors
• Social Anxiety
• Substance Use 
• Work-Life Balance

Reduced fee sessions are available with our master’s level interns and are determined by our financial assistance policy.

• Who: Eligible adolescents, adults, couples, and group members 
• When: Daytime hours and limited evening hours 
• Length of Sessions: Individual, Couples, and Group Sessions are between 45-53 minutes in duration
• Format: In-office and telehealth