Paying For Services – Rates & Insurance
FREQUENTLY ASKED QUESTIONS
Pricing and Paying for Services
We are a private pay counseling practice so fees are paid in full at the time of service. Payment is accepted in the form of cash, check, or credit card (Visa & MasterCard).
As a healthcare provider, we accept Health Savings Account (HSA) and Flexible Spending Account (FSA).
Depending on the clinician, our fee schedule is as follows:
- Intake Assessment – $175 – $225
- Counseling Appointment – $155 – $185
Why we don’t bill insurance directly?
At Bloom Child Therapists take our client’s confidentiality seriously, and want to foster an environment where people don’t have to be afraid of what will be done with their information and how that may affect them in the future.
Reason #1: It’s not confidential
If we take insurance we are required to use an Electronic Medical Records system. Information is disclosed to a 3rd party insurance or technology company over time, which adds increased risk with your information being out there. Through a variety of background checks or career choices, a diagnosis may be disclosed through your insurance company. We want you to feel safe to open up in your therapy sessions knowing that what you say in the office will stay between you and your therapist.
Reason #2: You have to be diagnosed
For insurance to cover counseling, you have to receive a diagnosis. Even if there is no appropriate option, there has to be a diagnosis. We believe everyone should have access to counseling, and we want you to be able to get the help you need without having to be labeled with a diagnosis.
Reason #3: Our time is focused on you
By not contracting with insurance companies we don’t have to “jump through the hoops” they have created. We are also no longer forced to follow their unprofessional “advice” since they are no longer paying for the services. Because of this, the time we save at Bloom Child Therapists is then spent on tasks and activities that will enable us to provide you with the best possible service for your situation.
Reason #4: They decide your treatment
Insurance companies decide treatment schedules by determining the number of sessions and the frequency. We believe this should be you and your therapist’s choice.
When an insurance company is involved, they can dictate what they are willing to pay for so in effect someone who has never met you before is deciding whether or not they feel you need a specific treatment. Our clients enjoy the freedom to choose what is best for their mental health along with their therapist.
At Bloom Child Therapists, you and your counselor base your treatment on what you need; not what someone sitting in an office in another state feels like you should need. We’re able to make any adjustments to your treatment quickly if something in your life change. We want you to get the best quality of counseling treatment!
Other Commonly Asked Questions About Pricing & Insurance:
Do you offer a reduced fee or sliding scale?
We do offer a reduced fee based on family income and circumstances, which we will be happy to talk to you about when you give us a call.
Questions to ask your insurance provider before starting counseling
Depending on your current health insurance provider or employee benefit plan, it is possible for services to be covered in full or in part, and many of our clients do get reimbursed.
Please contact your insurance provider directly to verify how your plan compensates for Out of Network psychotherapy services. Some of our clients have reported having nearly all of their services covered while others have had very little covered by insurance.
We always recommend calling before your first appointment so there are no surprises down the road.
If you plan to try to get reimbursed down the road, we always recommend that you call your insurance company PRIOR to your first appointment and ask some or all of the questions below.
- Do I have a deductible? If so, what is it?
- Does my health insurance plan include out-of-network mental health benefits?
- Do I need preauthorization to be reimbursed for out-of-network mental health services? If so, what is the process for obtaining preauthorization?
- What percentage or amount of my care will be covered after I’ve met the deductible?
- Are specific diagnoses required for me to be reimbursed?
- Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
- Do I need written approval from my primary care physician in order for services to be covered?
- What credentials does a provider need to have in order to be reimbursed or is it possible to be reimbursed for a provisionally licensed therapist or counselor-in-training who is properly supervised? (Some of our providers have a PLPC or LMSW. While many insurance companies do reimburse for their services, some do not)
- What percentage of my out-of-network mental health services will be covered if I submit a Superbill? Is there anything else I will need to submit with the Superbill?
- How do I get reimbursed for out-of-network mental health services? How often should I submit a Superbill, what is the process for submitting that and how long will it take for me to be reimbursed?
***After gathering this information, we recommend you ask for a confirmation number and the name of the person giving you this information.***
If your insurance company says certain diagnoses are not reimbursed or that you aren’t reimbursed for working with a provisionally licensed (PLPC or LMSW, etc.) clinician, please let us know at the start of treatment.
For detailed information about our services, rates, insurance verification, and more, click below to download the FREE guide!
“I have absolutely loved the attention and care that Keri has given my son. She is attentive to his needs and clearly communicates what we should do at home.”