Financial Options
I provide a few flexible payment options to make therapy more accessible. You can pay out-of-pocket and submit superbills to your insurance for possible reimbursement. If I’m in-network with your insurance plan, you may use your benefits to cover costs.
Cash Pay/Out of Pocket Option
Out-of-pocket payment means that clients pay for therapy services directly, without going through insurance. This option offers:
More privacy and flexibility, as it avoids the need for diagnoses or treatment limitations often imposed by insurance companies.
Paying out-of-pocket allows you to focus solely on your goals for therapy, without external constraints.
If you choose this option, we can provide a superbill (detailed receipt) for you to submit to your insurance for potential reimbursement, depending on your plan's out-of-network benefits.
Session Fees:
Individual 55-60 minute Session- $150
(We offer a limited number of sliding-scale slots)
Your “Good Faith Estimate” Rights
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 800-985-3059.
Wonder if you qualify for Out of Network Benefits?
Greatness Awaits Counseling Services PLLC is an out-of-network provider with some insurance.
For clients who would like to use out-of-network benefits, we offer a monthly superbill they can submit to their insurance for potential reimbursement. We recommend contacting your insurance provider to verify your out-of-network benefits. Some questions to consider when contacting your insurance company:
Do I have out-of-network mental health benefits?
Is there a deductible I must meet before my out-of-network benefits apply? If so, what percentage of the session fee will be reimbursed after the deductible is met?
What is the process for submitting a superbill for reimbursement?
Do I need a referral or prior authorization to use out-of-network benefits?
Are telehealth/virtual therapy sessions covered under out-of-network benefits?
Insurance Option
I am in-network with some insurances (see “How It Works” below). Your sessions may be covered if you have one of these plans. I encourage you to check with your insurance provider to confirm your coverage and benefits.
Using insurance for therapy can be a great option if your plan provides mental health coverage. The use of insurance includes:
Cost Savings: Using insurance can reduce the cost of therapy, as your plan may cover a significant portion of the fees.
Reduced Out-of-Pocket Expenses: You’ll generally only be responsible for copays, coinsurance, or meeting deductibles, depending on your plan.
Diagnosis Requirement: Most insurance companies require a formal mental health diagnosis to approve coverage for therapy.
Session and Treatment Limits: Insurance may limit the number of sessions or types of treatments covered, depending on your policy.
Affordability: If your plan offers good coverage, insurance can make therapy more accessible and easier to afford.
How It Works
I am currently in-network with Aetna, United Healthcare/Optum, and Blue Cross Blue Shield (BCBS). If you have one of these plans, your therapy sessions may be covered based on your individual benefits.
While I will submit claims directly to your insurance on your behalf, clients are responsible for understanding their own insurance benefits. This includes confirming coverage, copays, deductibles, coinsurance, and any session limits prior to beginning services.
Insurance companies ultimately determine coverage and payment, not the therapist. Any portion not covered by your plan (such as copays, deductibles, or denied claims) will be the client’s responsibility.
I strongly encourage you to contact your insurance provider to ask about:
Mental health benefits
Copay or coinsurance amounts
Deductible requirements
Session limits or authorization needs
Coverage for telehealth (if applicable)
I’m always happy to answer questions and guide you through the process, but verifying benefits in advance helps avoid unexpected costs and allows us to focus fully on your care.