Heart Centered Counseling

Fees

My fees are comparable to those of other Orange County therapists with a Masters degree and a similar level of experience. To be available to individuals, couples and families who are facing challenges in the current economic climate, I also utilize a sliding scale based on gross monthly income. The fee will be discussed and set at a free consultation where we will see if we are comfortable working together. 

The law requires that the fee be set before we officially begin therapy in order to avoid misunderstandings. It is a little awkward to begin a therapeutic relationship this way, and while I enjoy being paid for my services, what I enjoy even more is seeing my clients grow and make positive changes in their lives.  

Generally, fees are expected on the day of service, unless other arrangements have been made. Cash, checks, debit or credit cards are accepted for payment. Telephone counseling or coaching sessions are paid by credit or debit card in advance, preferably for 4 to 6 sessions at a time.  

Insurance

Most insurance companies cover a portion of mental health services, but every plan is different. Some only pay for a certain number of sessions per year.  I am on several panels, including Cigna, Anthem Blue, Magellan, Value Options, and United Behavioral Health.  My services are unique, and if after reading my webpage you want to work with me, and I am not covered by your insurance, then you will need to self-pay. 

 

It will be useful for you in making your decision to ask your insurance company the following questions:

1. Do I need a referral from a physician before I can get therapy?

2. Will my insurance provide payment for a licensed MFT?

3. Does my insurance cover a provider outside of network?

4. What is my deductible that must be met first?

5. How much will my plan cover for each session?  (Specific dollar amount? percentage of fee?)

6. Is there a limit on the number of sessions per year or on the amount of fees per year?

Why should you consider possible self-payment of fees?

 

Paying for your own therapy instead of going through your insurance company can provide you with a greater sense of privacy and control over your treatment.  As your therapist, I will do everything possible to provide you with  confidentiality.  Your insurance company will require a psychiatric diagnosis, and some companies also want additional personal information to determine fee payment.  Managed care companies usually have an employee, a person with less clinical expertise than a therapist, who will evaluate your condition, your progress, and determine the length of treatment, which is often very limited.  It is also possible that your personal information will be stored and later might affect access to health or disability coverage. 

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