Fees and Insurance

Fees and Insurance

Insurance coverage

I currently participate on the following insurance panels as an in-network provider:

  • Cigna Behavioral Health
  • United Healthcare
  • Blue Cross Blue Shield of North Carolina (PPO & Indemnity only, No Blue Local or Blue Value)
  • Aetna
  • Medicare

Services may be covered in full or part by your health insurance or employee benefit plan. There might be other companies not listed that cover my services or offer out-of-network benefits. Please verify with your insurance company prior to scheduling your appointment.

Please check your coverage carefully by asking the following questions:

  • Do I have mental health insurance benefits?
  • What is my deductible and has it been met for the current year?
  • What is my co-payment?
  • How many sessions per year does my health insurance cover?
  • Is approval required from my primary care physician?
  • Is an authorization number required?

If I do not specifically accept your insurance, I will provide you with a comprehensive billing statement that you can submit to your insurance company for potential reimbursement.

Private pay

There is also the option to pay out-of-pocket for the services. There are both advantages and drawbacks of out-pocket payment and to using private insurance. The most obvious and biggest drawback of out-of-pocket payment is that it is an immediate expense.

However, there are advantages of private pay that may make the expense worth considering. Most insurance companies require a mental health diagnosis in order for therapy to be covered. When clients pay out-of pocket, there is no requirement of a mental health diagnosis for treatment. Additionally, clients who pay out-of-pocket are guaranteed that the only people who know any of the details of therapy are themselves and their therapist. Aside from legal limits to confidentiality, therapy is completely confidential, without any third party being privy to information exchanged in session.

Fees

Payment, either in full or a co-payment if insurance coverage is established is expected at time of service.
For current information about fees, please call the office at 980.288.4181.

Cancellations made within less than 24 hours notice, or missed appointments, may incur a charge.