Fees, Insurance & Your Options

Investing in Yourself

Choosing therapy is a personal decision. So is deciding how you want to pay.

At Jewel of Life Counseling, I believe you deserve to understand your options, ask questions, and make informed decisions about your care.

I am an out-of-network provider; as such, I do not participate with insurance companies as an in-network therapist. However, depending on your insurance plan, you may be eligible for reimbursement through your out-of-network benefits.

Why Choose Out-of-Network Therapy?

Care That Reflects Your Individual Needs

Your experiences, goals, and reasons for seeking therapy are uniquely yours. Our work together is guided by what is clinically appropriate and meaningful to you, rather than solely by insurance reimbursement requirements.

Flexibility in Our Work Together

Healing and personal exploration don’t always fit neatly into predetermined timeframes. Out-of-network therapy can offer greater flexibility in session length, frequency, and therapeutic approaches, allowing us to consider what best supports your needs.

Greater Choice About Your Privacy

When therapy is paid for privately without submitting insurance claims, treatment information generally does not need to be shared with an insurance company for reimbursement purposes.

If you choose to use your out-of-network benefits, your insurer will require certain information to process claims, which may include a diagnosis and details about the services provided.

Support Beyond a Diagnosis

Sometimes you seek therapy because you’re navigating a life transition, questioning longstanding patterns, exploring your identity, or wanting something more from the life you’ve built.

Not every reason for seeking therapy necessarily meets the criteria for a mental health diagnosis. Private-pay therapy allows you to pursue clinically appropriate care without requiring a diagnosis solely for insurance reimbursement.

Using Your Out-of-Network Benefits

You may be able to use your insurance benefits to help offset the cost of therapy.

To make the process easier, I submit out-of-network insurance claims on your behalf. This means you don’t have to manage the initial claims submission process yourself.

Reimbursement depends on your individual insurance plan, deductible, and coverage requirements. Insurance companies determine which services qualify for reimbursement and how much they will pay.

Before beginning therapy, I encourage you to contact your insurance company and ask:

  • Does my plan include out-of-network outpatient mental health benefits?

  • What is my out-of-network deductible, and how much have I met?

  • What percentage of the allowed amount will my plan reimburse?

  • Are 60-minute individual psychotherapy sessions covered?

  • Are telehealth sessions covered?

  • Is a mental health diagnosis required for reimbursement?

  • Will reimbursement be sent to me or directly to the provider?

Please understand that submitting a claim does not guarantee reimbursement.

Session Fees

Individual Therapy — $250 per 60-minute session for new clients

Payment is due according to the financial agreement established before beginning services.

If you plan to use out-of-network insurance benefits, you remain responsible for charges not covered or reimbursed by your insurance plan.  Acceptable payments are all major credit cards, HSA/FSA accounts, cash, and check.

Cancellation Policy

Your appointment time is reserved specifically for you.  I require at least 24 hours’ notice if you need to cancel or reschedule your appointment.  Appointments canceled with less than 24 hours’ notice, or missed without notice, will incur a $250 cancellation fee, equivalent to the full cost of a 60-minute individual therapy session.  Cancellation and missed-appointment fees are not covered by insurance and are the client’s responsibility.

Your Right to a Good Faith Estimate

Under the federal No Surprises Act, individuals without health insurance, or who choose not to use their insurance, have the right to receive a Good Faith Estimate of expected charges.

A Good Faith Estimate explains the anticipated costs of healthcare services before they are provided.

You have the right to request a written Good Faith Estimate before scheduling services. When services are scheduled in advance, providers must furnish the estimate within the timeframes established by federal regulations.

If you receive a bill from a provider that is at least $400 more than that provider’s Good Faith Estimate, you may be eligible to dispute the charges.

For additional information about your rights, visit www.cms.gov/nosurprises.

Let’s Connect

You don’t have to know exactly what you need from therapy before reaching out.

If you have questions about fees, out-of-network benefits, or what working together might look like, I welcome you to begin a conversation.

Learn more