COUNSELING TAKES A COMMITMENT OF TIME AND FINANCES
But it’s also a place to find healing and hope.
We work with our clients to laser-focus on what they need and where they’re going, so we don’t intend on spending years together tip-toeing around looking for solutions.
If you’ve made the decision to work with us, you’re ready to get down to business. And we are too. Most of our clients benefit from a short-term treatment approach (typically around 18-20 sessions, spread between weekly, bi-weekly, and eventually monthly appointments).
We maximize our short time together by:
Coming up with objective and measurable goals at your first appointment.
Using questionnaires, assessments, and sometimes “homework” assignments between appointments to keep you on track.
Learning from those assignments outside the session to look at real results.
Our practice follows a “hybrid” model, which means some providers bill insurance while others do not, and are considered “Out of Network” providers.
If your provider is In-Network with Insurance, we can bill your insurance company for counseling and therapy services. (You will still be responsible for any co-pays or co-insurance amounts as required by your insurance company.)
If you receive services from an out-of-network provider and you pay privately for services, we can provide you, upon your request, a “superbill”, which is a medical receipt for services. You may seek reimbursement from your insurance company by submitting this superbly to them. Reimbursement rates typically range from 35%-75%, should your insurance company honor the reimbursement request.
COUNSELING SERVICES PAYMENT OPTIONS
Making counseling accessible for all.
Private Pay
Should you choose to work with an Out-of-Network provider or pay privately for services, our providers charge between $90-$125 per session. To see each provider’s rate per session, please see our team members here.
Insurance
If your provider is In-Network with your insurance company, we can bill your insurance company for the cost of your counseling sessions. (You will be responsible for any co-pays or coinsurance amounts required by your insurance company.)
HSA/FSA/Flex Cards
If you have a debit card provided by your insurance company, Health Savings Account, or Flex Spending Account, we can accept payment via those cards in our office. If you have an HSA or FSA but don’t have a debit card for the account, we can provide you with a statement to get full reimbursement. For questions about HSA or FSA cards, email support@revivecounseling.org.
Low-Cost & Free / Pro-Bono Services Available
You may find yourself in a season where you desperately need help with a situation in your life and you just can’t afford it. Perhaps you’re uninsured, between jobs, or just in a difficult place. As a non-profit organization, Revive Counseling Center partners with local organizations and generous individuals in our community to help provide low cost and free services to people in significant need.
Restrictions apply. An application and approval process is required.
The Pitfalls of Using Insurance
A lot of people use their insurance benefits to pay for counseling services because it provides an economical way to get the help you need. And if you have health insurance, you may have never even considered paying out of pocket for healthcare services. However, we believe in transparency and feel there are some things you should know about when using insurance and what you’ve giving up for the cost of that co-pay.
1. If you use insurance, we have to give you a diagnosis.
It’s not exactly common knowledge outside of mental health providers, but insurance companies require a diagnosis so they can decide if they’ll pay for your counseling services or not. You read that right. Your insurance company gets to pick and choose if they’ll pay based on what we tell them about you. This means we have to give you a diagnosis, whether you really need it or not. Coming in because you’re dealing with Grif over losing a loved one? You may get diagnosed with “major depressive disorder”. Struggling in a new relationship? You could get an “adjustment disorder” diagnosis.
2. Your diagnosis can follow you.
If diagnosed, as mentioned above, this diagnosis may follow you. There may be times on job applications or membership forms where you’re asked “Have you ever been diagnosed with a mental health condition”?
Counseling isn’t a bad thing — but there’s still some stigma around it, even with potential employers. In many cases, there is no statute of limitations for mental health disorder diagnoses, meaning they could follow you forever as a “pre-existing condition”. Paying out of pocket doesn’t require such diagnosis.
3. Health insurance companies can choose your provider for you.
If you’re using insurance, you’ll likely only be able to see providers who have a contract with your insurance company. If your plan is with a major insurance company, this may not be a problem if there’s a vast network of providers available. However, things change. Life and job situations change. If you’re working with a provider who is In-Network with your insurance provider, and then you get a new job and switch insurances mid-treatment to a new company who your counselor is not contracted with, you’ll be stuck deciding if you should find a new provider in your network, or paying out of pocket anyway.
4. Your time and treatment can be controlled by the insurance company.
Insurance companies get to determine the time intervals they will pay for and the models of treatment they’ll accept. This isn’t a big deal if what you’re going through isn’t too severe and can be wrapped up in twelve sessions or less. Sometimes, that’s the case. But what if you need a longer treatment period? What if it lasts six months? Again, you’ll be paying privately.
For some, paying with insurance is unavoidable, whether financially or for other reasons. However, paying privately allows you to keep your own information secure. No diagnosis or label is required, and the only person dictating your level of care and length of counseling is you.
While the idea of paying a full-rate for insurance can certainly seem daunting, we work to make services as affordable as possible. We offer self-pay rates of $60-$115 per session depending on the counselor’s level of experience and education. These rates fall well below the regional average for services.
If cost is a barrier to seeking counseling services, we certainly will never try to talk you out of using your insurance benefits, but believe we have this responsibility of letting you know the facts.