Fees & Insurance

At Healing Words Therapy, we are committed to making quality mental health care accessible and affordable. We understand that navigating the cost of therapy and insurance can feel complex, and we're here to help clarify your options.

Our Fees

Our session fees for individual, family, or couples counseling range from $150 to $250 per session. The specific fee for your session will depend on the therapist's experience level, specialized training, and the type of service provided. Initial consultation calls are often complimentary. We also offer a limited number of sliding scale slots based on financial need, which can be discussed during your initial consultation.

Payment for sessions is typically due at the time of service. We accept all major credit cards, debit cards, and HSA/FSA cards for your convenience.

Understanding the Benefits of Private Pay

Choosing to pay privately for your therapy sessions offers several distinct advantages that can enhance your treatment experience and privacy:

• Complete Privacy & Confidentiality: When you pay privately, your therapy records remain exclusively between you and your therapist. Insurance companies do not have access to your personal information, session notes, or diagnostic details, ensuring a higher level of privacy and confidentiality for your mental health journey.
• No Diagnosis Required: Insurance companies typically require a formal mental health diagnosis (e.g., Major Depressive Disorder, Generalized Anxiety Disorder) in order to cover therapy. When you pay privately, you are not required to receive a diagnosis that becomes a permanent part of your health record. This allows therapy to focus purely on your personal growth, well-being, and goals, rather than fitting criteria for a diagnosis.
• Freedom in Treatment Planning: Insurance companies may limit the number of sessions they will cover, or dictate the type of therapy they deem "medically necessary." With private pay, your treatment plan is solely determined by you and your therapist. You have the flexibility to engage in therapy for as long as you find it beneficial, explore a wider range of therapeutic approaches, and pace your healing journey according to your unique needs, not an external requirement.
• Choice of Therapist: Private pay allows you to choose the therapist whose expertise, approach, and personality best align with your specific concerns and goals, rather than being limited to providers on your insurance panel.
• No Pre-Authorization Hassles: You avoid the often time-consuming process of obtaining pre-authorizations or dealing with denied claims, which can disrupt the continuity of your care.

Insurance Information

To ensure we are accessible and providing affordable care, Healing Words Therapy has therapists who are in-networkwith a wide range of leading insurance panels. This means that if you have one of the following insurance plans, a portion of your therapy sessions may be covered, often significantly reducing your out-of-pocket costs:

• Aetna
• Humana
• Cigna
• Optum
• UnitedHealthcare
• UMR
• Oxford
• Oscar Health
• Harvard Pilgrim

How to Use Your Insurance:

We highly recommend contacting your insurance provider directly before your first session to understand your specific mental health benefits. Here are some key questions to ask them:

1. Do I have mental health benefits?
2. What is my deductible, and has it been met?
3. What is my co-pay or co-insurance for outpatient mental health services?
4. Is pre-authorization required?
5. Are there any limitations on the number of sessions covered per year?
6. Do I need a referral from my primary care physician?

Out-of-Network Benefits:

If we are not in-network with your insurance provider, many plans offer "out-of-network" benefits, which means they may reimburse you for a percentage of the session fees after you've met your deductible. We can provide you with a superbill (a detailed receipt) that you can submit to your insurance company for potential reimbursement. Please check with your insurance provider about your specific out-of-network benefits.

We encourage you to reach out to our team if you have any questions about fees or insurance. We're here to help you understand your options and find a solution that works for you.

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