Fees and Insurance Directions Counseling
Fees are collected at time of service. A receipt may be provided to you, upon request, which you may submit to your insurance company for possible reimbursement. We offer a sliding-fee and will make every effort to make your counseling affordable as well as productive in achieving your goals.
Please call our client relationship coordinator for information on fees as you research your counseling options.
Is Directions Counseling Group in my insurance network?
Directions Counseling Group and its providers are not contracted with any major insurance company. You may submit a receipt of fees paid for our services to your insurance carrier for possible reimbursement according to your out-of-network benefits. Receipts may also be submitted to Health Savings Accounts for direct reimbursement. Directions Counseling Group also offers sliding fees based on household income and family size for qualifying clients.
Can my out-of-network benefits help pay for my services?
Some insurance plans will reimburse you for our services. We encourage you to call your insurance company to obtain a quote for your eligible out-of-network benefits. At time of service you will be asked to pay the fee that was arranged with our intake coordinator. You can then submit a receipt to your insurance company for reimbursement. The receipt contains the information your insurance company needs to process your claim and reimburse you according to your benefits. If you plan to submit to your insurance, please ask for an insurance receipt at the time of your visit.
What questions do I need to ask my insurance company?
- What are my out-of-network, outpatient mental health benefits?
- Do I have a deductible? If so, what is the amount? Have I met any of the deductible this year? How much?
- What is my co-pay amount or percentage?
- How many visits do I have per calendar/policy year?
- Do I need preauthorization/precertification for my visits? If so, can I get a preauthorization/precertification number, how many visits does this authorize, and what are the effective dates for this authorization/certification?
- What is the effective date of my insurance coverage? Is my policy still active?
- Does my policy cover my counselor’s credentials*?
All clients and parent(s) or guardian(s) of clients are responsible for understanding and abiding by the benefits of their individual insurance policy.
*Some states vary in their credential designations. Please note that LPC and PC are the same licensures; LPCC and PCC are the same licensures. Please see our counselors page for a complete listing of each of our counselor’s credentials.
Can I use my Flexible Spending Account (FSA), Health Reimbursement Account (HRA) or Health Savings Account (HSA) to help pay for my services?
Counseling may be an eligible expense for your FSA, HRA or HSA plan. We encourage you to check with your FSA, HRA or HSA plan to confirm eligible expenses. If counseling is an eligible expense, you may use your account issued card at time of service or submit a receipt to your account administrator for reimbursement. The receipt contains the information your account administrator needs to process your claim and reimburse you according to your eligibility. If you intend to submit to your account for reimbursement, please request an insurance receipt at the time of your visit.
Why has Directions Counseling Group chosen not to contract with major insurance providers?
Our group has contracted with insurance companies in the past and found that it was not a viable arrangement for us. When contracting with an insurance company a practice or provider must accept the payment rates the insurance company has established for the type of provider and service rendered. In our region, contracted rates for professional counseling services are about 50% of the standard local rates. Below market insurance reimbursement rates created a scenario that prevented us from being able to provide high quality care for our clients. As a result we discontinued our in-network contracts with insurance companies.
If I do not have insurance or out-of-network benefits what other options does Directions Counseling Group offer?
We understand that paying out of pocket may be financially difficult; therefore, we have options that you may find helpful. During the intake, you can ask our intake coordinator about a sliding fee. Sliding fees vary per counselor and we will make every effort to match you with the right therapist for your particular area of concern and financial situation. You may also reduce the frequency of your visits once you have gotten established with a counselor. Many clients visit us on a biweekly or monthly basis. For many individuals this works well therapeutically as well as financially as it provides time between sessions so they can practice the suggestions, recommendations or plans that emerged from the prior session. Please speak with your counselor regarding their recommendation for follow up (or session) frequency as a reduction in frequency may not be appropriate in every situation.
Why should I choose Directions Counseling Group over a counselor who is in-network with my insurance company?
Choosing a counselor is a very personal decision. While the amount you pay for each appointment is important, we believe it is more important to achieve your counseling goals in a timely fashion. Many clients choose to work with us because of a personal or professional referral from someone who is confident in the quality of therapy we provide. Regardless of where you receive therapy we hope that it will be with a well qualified counselor that can help you reach your goals.
Are there other concerns about using my insurance whether in-network or out-of-network?
There is a debate in the professional community about whether or not it is wise to use your health insurance to help cover counseling costs. Two concerns exist: one about your privacy and the other about the quality of care you receive.
Privacy Concerns: When applying for new insurance you may be required to sign a release so the new insurer can check your past medical history. Some argue that in such cases you may be disqualified with the new insurer for life, health and other types of insurance because you at one time had a diagnosis. We cannot make decisions about whom you share your mental health treatment history with, but we do encourage you to be fully aware of your privacy rights and the potential impact of insurance companies having personal information which you may be requested to release at a later time.
Quality of Care Concerns: Some insurance companies monitor and limit professional counseling services in order to prevent excessive use of the benefit and keep their costs as low as possible. This means an insurance company may be making decisions about the type or amount of counseling you can receive under their coverage. Critics of managed care contend that you are better served in the long run by paying for your services directly and leaving third parties, who don’t really know you, out of important decisions about your mental health.