Rates & Insurance

How much will this cost? Do you take my insurance?

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Plus Answers To Your Frequently Asked Fee Questions

Therapy Fees

  • Initial Intake Session: $250 (75-90 minutes)

  • Individual Counseling: $165 (50 minutes)

  • Extended Individual Counseling: $250 (90 minutes)

Payments can be made with debit/credit cards, cash (in-person sessions only), HSA/FSA cards. I do not take Venmo or PayPal as they are not HIPAA compliant and may compromise your privacy.

Do You Take Insurance?

No, I do not accept insurance at this time.

If you would still like to work with your insurance, your insurance may provide some reimbursement. To help, I can provide a monthly superbill that you may submit to your insurance for reimbursement. You must request this, as it is not given automatically; these statements require a diagnosis code, which may not be applicable to all clients. 

 

Why Don't You Take Insurance?

When mental health therapists work with insurance companies, the insurance companies have a lot of control. And information. They require a mental health diagnosis in order to pay for sessions, and while you may have a diagnosis (not everyone who comes to therapy does). Being that many people go to therapy to repair relationships, recover from a traumatic experience, or just generally to improve their lives, finding a diagnosis is often not applicable. As frustrating as this can be for clients, it would be unethical for a therapist to diagnose someone with a mental illness that they don’t really have, just for the sake of using insurance and doing so can result in the therapist losing their license. I like to maintain confidentiality – even from insurance companies. Reporting to insurance companies also means that your mental health diagnosis can become part of your permanent medical record.

 

In addition to your treatment being permanently filed, health insurance companies have access to the type of treatment that you receive and what your progress has been. Any details and private information that your therapist has, your insurance company would have. If an insurance company decides to do an audit on your records in an attempt to prevent fraud, they would have access to details about what happened during each of your therapy sessions and other private details that patients would normally prefer to be left confidential. In order to protect the privacy of ALL of my clients, I made the choice not not panel with any insurance carriers. 

How Do I Discover What My Insurance Will Cover?

Please consider insurance reimbursement to be a BONUS, not a REQUIREMENT to therapy, as there are no guarantees. To find out what your insurance may cover, contact your insurance and ask if you have out-of-network mental health coverage. Please note, that in order to get reimbursement for treatment, your insurance company will require a mental health diagnosis and will have access to that information. There are also times that your insurance company will require other documentation, time for compilation of this type of documentation will require an additional fee billed in 15 minute increments ($55/15 minutes). Please note that I do not communicate directly with insurance companies (phone, email, fax, mail, etc). 


You may also want to mention the type of license that I have to ensure services with my type of credential are covered. I am a Licensed Professional Counselor (LPC).

Other things you may want to ask about are:

  • What your deductible is

  • What your co-insurance payment will be

  • How many visits you get per year

  • If you need authorization for your visits

  • Details on how to submit a superbill

Contact me if you would like more guidance on how to figure out what your insurance will cover. Please note that while I will provide guidance to you, I will not communicate directly with the insurance companies. If they require any other documentation beyond the superbill, it will be your responsibility to request and provide that information. It can get sticky if I communicate with them when I am not networked with them.

What Is Your Cancellation Policy?

To cancel a scheduled Therapy session, a minimum of 24 hours in advance of your session is required. If prior and timely notification is not given, you will be charged the full session fee for the missed session.

Take The Next Step Towards Getting Help

Let’s discover how I can help. Reach out to get your free phone consultation. Or you can click here to schedule an initial appointment; please make sure you select the correct appointment type (virtual or in-person; please note in-person sessions are limited to Thursdays only at this time). 

Let's set up a 20-30 minute free zoom consultation. During the call, I can answer any questions you may have about the therapy process. Once we set up an initial appointment, I will send you some links to forms to fill out. I schedule the initial session for 75-90 minutes to get a detailed intake done and setting intentions for the therapy process. This initial session also allows me to formulate treatment recommendations, and we both have the opportunity to determine if we would be a good fit (though sometimes this can take more than a couple of sessions to determine). Follow up sessions are typically 50 minutes in length, and I strongly recommend beginning with weekly sessions as we enter into the therapeutic process. Extended sessions are available upon request.

Email me today at annie@beachtherapyservices.com or call me at (540) 486-1709. I’m here for you.