Affordable Counseling For Individuals And Couples
When it comes to the cost of therapy, you might find a surprising range of fees. There are many factors that go into the cost of therapy, including the therapist’s level of education and training, their licensure status, whether they are part of a state funded clinic, and whether or not they take insurance (just to name a few!). You can find wonderful therapists throughout a fee range, and you can also find some pretty bad ones too. So, what does “affordable therapy” look like?
Affordable therapy provides value for the service you’re getting. Like most other things in life, you often get what you pay for. For example, I chose a particular cell phone carrier, even though they cost more, because I know I get better service. That makes it affordable to me.
Affordable therapy will do the following:
- identify your goals and periodically assess progress
- pinpoint the obstacles that keep you from moving toward your goals
- hone the skills you already have and help you build new ones
- help you access an awesome support system
- give you practical tools you can use in real life, not just in therapy
- act as support for your own growth so that you can successfully “terminate” or transition out of therapy
It’s important to know what you’re looking for from therapy. Your goals will help you determine if a particular therapist is right for you. What’s expensive for one person will be a bargain for someone else! It’s okay to know what’s right for you, and be honest about that with your therapist.
Affordable Therapy With Heather Seguin
I offer out-of-network counseling for individuals and couples, which some insurance providers may reimburse. If your plan includes all or some mental health benefits, I will provide you with a superbill that you can submit for reimbursement. You will be responsible for payment at the time of our session and your insurance may reimburse you all or some of that cost, based on your plan.
If you would like assistance with receiving your out-of-network benefits, there is a company that can manage this for you. Better will handle the processing of your superbills and insurance claims for a nominal fee. They also integrate with my EHR system, so you don’t even have to touch the superbills yourself. You are not required to use this service and I receive no benefit (monetary or otherwise) if you choose to do so.
Types of Sessions
I offer 45 minute and 90 minute sessions for individuals and couples. I recommend 90 minutes for couples, but will work with you to accommodate a shorter session if you prefer. I highly recommend meeting weekly (at least for the first 6 sessions) so that we can build rapport and get some traction toward your goals. I assess my rates every 6-12 months; my current rates are as follows:
$170 per 45-minute session
$300 per 90-minute session
I also offer intensives and workshops throughout the year. You can sign up for updates here.
I accept cash, check and credit cards as forms of payment. Payment is due at the time of our session and credit cards are processed at the end of the day. You will be asked to complete a credit card authorization before our first meeting as part of my intake paperwork. You are welcome to use another form of payment if you wish. I will only charge your credit card when you do not provide another form of payment.
If you are unable to attend a session, please make sure you contact me to cancel at least 48 hours beforehand. Otherwise, you will be charged for the full rate of the session. I understand that there are occasional, unforeseen emergencies. In such events, I may waive your fee on a case by case basis. If you are sick and would like to meet by teletherapy (video or phone call), we may schedule that instead of an in-person session as well.
How To Pay For Therapy – A Brief Guide
Using Insurance To Pay For Counseling
Many insurance providers and plans offer some form of mental health benefits. These benefits can range from complete coverage for a few sessions each year to partial payment for out-of-network providers. There are hundreds of plans out there, so it’s important that you contact your insurance provider, and ask about the specific benefits in your plan.
Whether you have an HMO or PPO, there are likely mental health providers covered (at least in part) by your plan. You can contact your provider for a list of their in-network mental health therapists. With an HMO, you’re usually limited to the providers on that list. With a PPO, you have the option of using an in-network provider, or an out-of-network provider. An in-network provider will likely have some type of copay, or you may need to meet your deductible before your benefits take effect. An out-of-network provider can be any therapist you choose; it is the same as paying for therapy out-of-pocket. The therapist will bill you at the time of service and, if you want to seek reimbursement, they will give you a “superbill.” You then submit this superbill to your insurance provider (by filing a claim), and your insurance will reimburse you directly.
Paying For Therapy Out-of-Pocket
There are many people who choose to pay for therapy out-of-pocket. Some seek reimbursement from their PPO insurance, some use their HSA or FSA accounts, and some just make it part of their monthly budget.
One of the benefits of private pay therapy is that you get to make decisions about your own treatment. You’re not limited to a specific number of sessions and you don’t have to “meet medical necessity” in order to be seen. You and your therapist can work together to determine your goals and progress. And your information stays completely confidential.
When you use your insurance for mental health treatment, your insurance provider will require a diagnosis as well as a record of your sessions, possibly including some of your therapist’s notes and treatment plan. Some diagnoses may not meet your provider’s requirements for reimbursement, and they may deny your claim, or determine that you no longer meet “medical necessity.” Providing an inaccurate diagnosis for the purpose of reimbursement or medical necessity is both unethical and illegal. To learn more about what’s covered by your plan, please contact your provider directly.