Question 1

What are the Pros and Cons of using my health insurance for counseling?

Accepted Answer

It's important to understand the significance of your choice by using your health insurance plan to pay for mental health services.
 
Some considerations to keep in mind:
The fact that you are receiving mental health services through therapy will not remain confidential.
Your health insurance company and its employees will keep a record of your treatment, often require detailed results of therapy, and can request an audit of you case and records.
Your health insurance generally requires a diagnosis of mental illness, which unfortunately continues to carry various stigmas.
It could be a factor in future employment, such as a government job or other employment, or other life opportunities, such as adopting a child.
Your use of mental health services will become a pre-existing condition contained in your medical records.
It is possible that a record of your mental health treatment could have a bearing on future healthcare considerations, such as higher premiums.
Your health insurance may not cover counseling, for example, because the carrier determines these services were not "medically necessary."
Your health insurance may cover only a few sessions and deem additional sessions unnecessary.
Your health insurance may require a high co-pay or deductible that is close to the cost of my fees.
 
I encourage you to study all your options for payment, and make a considered and informed decision reagarding your mental wellness.

Question 2

How do you accept payment for counseling?

Accepted Answer

Payment is typically made by credit or debit card, or Health Savings Account (HSA) card. I am an out-of-network provider. I also provide a sliding scale for people with financial need.

Question 3

What are your fees?

Accepted Answer

Fees vary for individual, couples and groups. Generally, 50-minute sessions are $100 (individual), and 75-minute sessions are $185 (couples, family).

Group counseling sessions typically are lower, ranging from $25 to $75 per session.

In addition, reduced fees based on a lower income/financial need are available, please inquire. When needed, I also require a fee for professional time applied to legal or clinical proceedings.

Question 4

When is payment due?

Accepted Answer

Payment is due at the time of service. There is a fee for returned or stopped payment. The fee is $35 for non-payment, plus any fees charged by the bank. Some clients prefer to pay in advance.

Question 5

What is your cancellation policy?

Accepted Answer

You may cancel an appointment without charge 24 hours in advance by text or call to (636) 486-6475, or email - rebecca(at)rebeccaray473.com. Please also notify me as soon as possible for emergency cancellations.

Question 6

Can I request appointment reminders?

Accepted Answer

Yes, of course. You can receive appointment reminders by your choice of text, phone/voicemail, or email.

REBECCA LYNNE RAY MA, LPC

FEES

Frequently asked questions