Payment Options For Therapy

There are several ways to pay for therapy, as described in the image below.  Currently, FindWell Counseling is accessible via one of the two “Self-Pay” paths featured in the image below.  

Estimate of Fees

Notice to clients and prospective clients:

 

Under the law, health care providers need to give clients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services.

 

You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service, or at any time during treatment. 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.

 

FindWell Counseling, LLC provides Good Faith Estimates to all new clients who are paying for therapy services out of pocket prior to their first appointment so that they can make informed decisions about moving forward with therapy. For questions or more information about your right to a Good Faith Estimate, or how to dispute a bill, see your Estimate, or visit www.cms.gov/nosurprises.

 

Session Fees

FindWell Counseling charges the following fees:

  • $160 for a 60-minute session
  • $240 for a 90-minute session
 
Group Fees
  • $50 per meeting
 

I have a certain number of reduced fee spots for families/individuals who do not have a policy with one of the plans below and who do not have adequate out-of-network benefits.  I have intentionally built into my practice model the ability to work with individuals who are unable to pay the full fee above because it would cause a significant financial burden. Ask for more information if this describes you. FindWell Counseling does not accept any type of Medicaid or Medicare plans at this time (this includes Healthy Indiana Plan).

Insurance Coverage

As of January 2025, FindWell Counseling is not In Network with any insurance plans.  However, there are several options to consider when you are paying for therapy out-of-pocket. 

 

  • Request Reimbursement from your Insurance: Consider submitting your invoices for reimbursement. Insurance companies accept a special type of invoice called a “Superbill” which has medical codes on it so that they can process it like a claim. If you get any reimbursement, it will be paid directly to you. See below for more information.

 

  • Single Case Agreement: in certain circumstances providers will consider requesting what is called a “Single Case Agreement” or a “Network Override Request.” If your insurance approves this, your provider will submit claims to your insurance as if they are in-network, and your in-network benefits will apply (same deductible, co-pays, etc). This arrangement is completely at the discretion of your provider and is usually only considered when someone cannot access care any other way.  Additionally, your therapy must be focused on treating a diagnosable condition and must meet criteria for medical necessity.  
 

Please read my post about factors to consider when deciding whether to use insuranceReasons to Reconsider Using Insurance to Cover Treatment.

Out-of-Network Reimbursement

Some people choose to use out of network benefits because (b) they don’t want insurance involved in their care; (c) their therapy needs do not qualify for insurance reimbursement; or (d) they do not have out-of-network coverage or their coverage is very limited. See my post about about reasons you may choose not to use your insurance for therapy. 

 

 

FindWell Counseling does not accept out-of-network coverage directly.  If you do not have an in-network plan, you must pay for services in full at the time of service.  However, you may be able to request reimbursement for therapy services by filing out-of-network claims.  FindWell Counseling recommends Reimbursify to help clients easily submit out-of-network reimbursement claims for a small fee. Please ask for more information during your consultation.

If you have Medicaid or Medicare, you may not be able to file for out-of-network claims, which means you will need to self-fund your therapy without expectation of reimbursement from your plan.

My practice is human-oriented.

From its conception, insurance was designed to cover experiences that are unexpected: accidents, sudden death, disabling disease.  In the context of psychotherapy, insurance only covers therapy for concerns (1) that fit the definition of a mental health disorder recognized in the DSM and (2) involve session lengths and frequencies that meet criteria for what is considered “medical necessity.”  Because of this, we can argue that insurance is fundamentally a disease-oriented system.

 

 

However, my practice is human-oriented. One of my core values as a clinician is to be aligned with my clients.  When insurance is available and the needs of the person fit within the covered services of your health insurance policy, we will use insurance to cover the treatment needed to work toward wellness.  When it doesn’t fit within the disease framework or when the client does not want their treatment to be managed by that model, we set that tool aside and move forward with our work together.