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Rates & Insurance

Information for Peace & Flourishing

Information provided on this page is relevant to Counseling offered via the State Registered LLC Oregon company, additionally registered to provide services in Washington State:  4U, LLC.

Peace & Flourishing Rates

$100 for individual hourly appointments.

$120 for couples/family hourly appointments.

Payment

I accept cash, check and all major credit cards as forms of payment.

Cancellation Policy

If you are unable to attend a session, please make sure you cancel at least 48 hours beforehand. Otherwise, you will be charged for the full rate of the session.

Insurance

I accept no insurance in my Private Practice and connections via this website, in order to protect your privacy and confidentiality.

With insurance, your charted counseling records become part of your life’s *permanent* medical record.  And, you compromise your privacy.

In my professional opinion, with the exception of a few explicitly criminal or true legal issues (e.g. child abuse, elder abuse, disabled person abuse, hate crimes & life threatening harm, for example), you should not have to disclose to corporations, the government, nor to your current or potential future employers, your private therapy needs.  

You should consider carefully the impact of a mental health diagnosis with a potential employer in your future if you have any aspiration to work in the following professions: Medicine, Health, Finance & Securities, the Military, Hospitality, Travel, Large Equipment Operator, Driver, Aviation, Tech Industry, Computer Software, Police, Sheriff, or Politics. 

Your clinical chart may impact your potential rates or coverage for other medical or life insurance or vehicle insurance.  Could your clinical record prevent you from getting a future job in 10 years or 15 years? or 25 years?

If you use insurance, your clinical chart could be admissible data in any future legal or court proceeding including: a divorce, a custody hearing, any civil or criminal matter where your medical records may be subpoenaed and used against you.  

In my opinion, the younger you are, the more likely it is the case that your charted medical mental health record *will* at some future date, impact some job in your future if your records are kept on file with an insurance company.

Noting what is shared above, for individual clients who want to share their diagnostic needs and private therapy with insurance providers, we can provide invoices and some of our individual clients choose to submit to insurance for out-of-network coverage, and may be personally reimbursed 20-60% (for example, in the State of Washington, Premera most often reimburses $94 per session).   Though, and this needs to be understood carefully, if you do not have medically diagnostic features that are recorded with medically specific codes for a diagnosis, your medical insurance will not reimburse as the therapy is not deemed by them to be medically necessary.

COUPLES:

For couples, health insurance does not pay for relationship therapy. This is often surprising to many persons!  

Insurance companies have very strict rules around who can use health insurance and medical necessity.

Insurance companies will only authorize services that they determine “medically necessary.” In order for therapy to be considered necessary, your therapist must determine and then provide a mental health diagnosis to your insurance company for an individual client as couples can not receive a diagnosis.  

Per the “medical necessity” requirement outlined above, couples rarely enter therapy exclusively to focus on *one* person’s mental illness. Instead, couples seek counseling with issues of communication, connection, conflict, parenting, premarital, sex, betrayal, or life changes. These important issues are not deemed medically necessary nor do they fit a clinical diagnosis for a couple, as no couples diagnosis exists within current categories of billable medical diagnosis.

For couples therapy where other therapists bill insurance, this puts the therapist in several ethical binds since only *one* member of the couple gets *the* diagnosis and ethically & professionally *only* that client is *the* named client for medical records & charting.

Failure of a therapist to provide an appropriate mental health diagnosis to insurance agencies is considered substandard care, it is unethical and illegal (insurance fraud).

Out of Network Potential for Insurance: OON

To determine if you have out-of-network benefits to work with me, or any provider who doesn’t bill directly to your insurance, check your policy carefully.  

Call to ask the following questions of your insurance company:

Do I have mental health benefits?

Do you pay for out-of-network providers? Registered interns (if applicable)?

If so, how much does my plan cover for an out-of-network mental health provider? What percentage of the fee is covered per therapy session?

Does my plan cover couples counseling?

What is my deductible and has it been met?

How many mental health sessions per calendar year does my insurance plan cover? Do you give me these upfronts or do you require me to incrementally ask for more until I reach the maximum amount per year?

When does my insurance coverage for a year begin/end? When do my benefits renew?

Is approval required from my primary care physician before I see a therapist?

What is your turn-around time for sending me a reimbursement?

The way that this works is that you pay the full, advertised fee for counseling up-front. 

At the end of each month, we will give you a detailed invoice. 

You submit this invoice along with a reimbursement form directly to your insurance company.  They will process your paperwork according to whatever you discover from asking the above questions. The reimbursement check will be mailed directly to you. In our experience, out of network benefits tend to reimburse 30-80% of the appointment costs.

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This information on this page is intended to help you to make an informed decision about your health care and to protect your health information. If you have any other questions please use the links on this page to contact me.