REBECCA RAY, MA, PLPC

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

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.

How do you accept payment for counseling?

Various methods are available: I accept cash, check (to "Lotus Counseling"), credit or debit card, or Health Savings Account (HSA) card (please see: Pros & Cons FAQ), as an out of network provider.

What are your fees?

Fees vary for individual, couples and group counseling. Generally, sessions are $80 for 50 minutes, and $125 for 75 minutes. Group counseling sessions typically are lower, ranging from $15 to $60 per session. In addition, reduced fees based on a lower income/financial need are available on a limited basis for those experiencing financial hardship, please inquire. When needed, I also require a fee for professional time applied to legal or clinical proceedings.

When is payment due?

Payment is due at the time of service, and 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 for future sessions, and we can discuss.

What is your cancellation policy?

You may cancel an appointment without charge 24 hours in advance by calling (636) 486-6475 and leaving a voicemail, or email to: rebeccaray473@gmail.com. If you need to cancel with short notice or unexpected emergencies, please contact me and we can discuss.

Can I request appointment reminders?

Yes, of course. You can receive appointment reminders by your choice of phone-voicemail, email and text. Please let me know your preference.