Insurance and Fees

---

Most psychotherapy and clinical counseling appointments cost $125 - $150, based on the length of the session. Some services, including but not limited to diagnostic evaluations, are higher. Please review the Consent for Treatment on the forms page for a detailed listing of fees and more billing information. All services will be charged as self-pay unless you specify a reimbursement plan through EAP or insurance benefits at scheduling. Consultations are self-pay only.

Choosing self-pay allows for more privacy and flexibility. Please be aware of the following for insurance: 

• Insurance may limit which types of services they cover. Insurance will only cover mental health services deemed medically necessary. However, life is full of challenges, and therapy is often helpful even if it doesn't qualify as a medically necessary service.
• Insurance companies require you to authorize us to provide them with a clinical diagnosis of a mental health disorder which will become a part of their records. Often therapy can be helpful even if you don't have a mental illness. Talking with a trained professional can help you maneuver change, find life balance, and achieve goals.
• The insurance company can access clinical information such as treatment plans and summaries or copies of the entire record when using their health plan benefits. Therapy records may become part of the insurance company's record. Medical records are exempt from insurance reporting and compliance audits when choosing self-pay.
• Insurance companies may regulate the counseling session's location, frequency, or length. Self-pay gives you more choice in your course of treatment and allows you to choose which therapist you see.

In choosing self-pay, a clinical diagnosis and copies of your medical record will not be accessible to your insurance company. Information will be kept confidential as allowed under Ohio law. Self-pay will enable you to receive psychotherapy for what you feel is important without being determined medically necessary by an insurance company. It gives you more control over your privacy, which services you use, what clinicians you see, and the frequency you see them.   

Many health insurance plans cover mental health care, but each plan is different. You need to contact your insurance company to find out the specific benefits of your plan. We will file insurance claims for in-network plans directly with the company. Some in-network plans include but are not limited to Custom Design Benefits, Medical Mutual, and Humana. Please keep in mind that insurance plans only cover medically necessary services under a qualifying clinical mental health diagnosis. 

Psychotherapy and counseling for clients who do not meet the criteria for a mental health disorder are often not considered medically necessary services and, therefore, not covered by health insurance. Consultations, behavioral health coaching, and parent coaching are not covered by insurance. Most insurance plans do not regard marriage/couples counseling as mental health care. Family counseling is only considered medically necessary when it is to support a family member who is in treatment with an identified mental health disorder. 

Click below to find out more information on In-Network and Out-of-Network coverage.

An Employee Assistance Program (EAP) is a work-based program (i.e. Lyra Health, Optum Live and Work Well, etc.) that may offer employees free or discounted short-term counseling. Not all employers provide EAP programs, and the provider list for EAPs can vary from your health insurance company. Please check with your human resource department or employee assistance program to inquire about the specific benefits offered by your employer and attain authorization for benefits.

You may use your HSA account to pay for medically necessary mental health care. Although many services qualify as medical expenses, there are some exceptions. Please check with your company to verify if services are considered a medical expense.