Fees and Payment
You were born with wings, why prefer to crawl through life?
We offer reduced fees for self-pay therapy clients…
Licensed Therapist: Initial Visit $125; Ongoing Sessions $100/hour
Pre-Licensed Therapist: Initial Visit $100; Ongoing Sessions $85/hour
(Pre-licensed therapists are registered mental health counselor and clinical social work interns. They have master’s degrees in a mental health field and are working towards independent licensure.)
Private wellness session fees vary; call for more information.
Payment is due at time of service, unless other arrangements are made through insurance coverage (more information below). Since counseling is a time and financial commitment, it is important that you feel comfortable with your therapist. In this regard, information gathered during the initial telephone contact helps us match you with the most suitable therapist for your needs.
METHOD OF PAYMENT
Payment can be made in the form of cash, debit card, and major credit cards-Visa, Mastercard, Discover, and American Express. We do not accept checks.
Insurance may help cover the cost of therapy, but does not cover non-psychotherapy services, including life/wellness coaching and other integrative services.
Please note that insurance companies require a mental health diagnosis to be assigned which remains part of your permanent medical record, and they may request all or part of your mental health record for payment purposes. While pre-existing mental health care should not prevent you from being able to change insurance plans in the future, we have heard of insurance companies charging higher premiums due to receiving mental health care in the past. They also often limit the number of sessions that will be covered, or require pre-authorization for more visits.
Some of our therapists are contracted in-network with Aetna, Cigna, Florida Blue, and Medicare (excluding Medicare Advantage or Replacement plans with which we are not in-network) . We also work with many EAP plans (Employee Assisted Programs). Unfortunately, our in-network therapists often have wait lists. We have worked hard to credential all our licensed providers as in-network with many insurance companies, and continue to be informed that many insurance panels are closed and will not approve additional providers in-network, including Florida Blue/New Directions, United/Optum, and Cigna since “there is not a need for additional providers in our area at this time.” This is outside of our control and we share your frustrations if you are trying to use your insurance. If you call our office and are informed of our wait list, you are welcome to call your insurance company and express your concerns about difficulty seeing an in-network therapist at Monarch.
As a courtesy, we can provide out of network billing for most insurance with which we are out of network, whereby you would self-pay for services and then you may be reimbursed directly from the insurance company if you have out of network coverage. If you are interested in insurance coverage, call your insurance company to verify your in and out-of-network mental health or behavioral health benefits for your particular plan. As a courtesy, we will also verify your benefits if we are in-network.
Verification of benefits does not guarantee payment by the insurance company. We request clients take full responsibility regarding their coverage, including familiarity with their deductible and co-payment to avoid any billing surprises. Many plans treat mental health services differently than traditional health care, with separate coverage and sometimes limitations to the coverage. With due diligence, we follow-up with insurance companies when there is a discrepancy in payment, but any services not covered by insurance within 60 days of date of service (due to lack of coverage, unpaid insurance premiums, change in benefits, etc.) will be billed directly to you.
CANCELLATION, NO SHOW, AND LATE ARRIVAL POLICIES
If you need to cancel or reschedule an appointment, we ask clients to call at least 48 hours in advance to avoid being charged the practitioner’s fee. Insurance companies do not allow us to bill for missed or cancelled appointments, so this also applies to clients whose sessions are usually covered by insurance. Exceptions include illness and emergencies. If you arrive 15 minutes late, the appointment will be considered a no show and you will be charged the practitioner’s fee, with certain exceptions at the practitioner’s discretion. As a courtesy, we encourage clients to take advantage of our automated text reminders to prevent missing an appointment, but it is ultimately the client’s responsibility for maintaining her/her schedule of appointments.
If you are seeking counseling for issues related to a crime that you experienced as a victim, then you may qualify for victim’s compensation through the state of Florida. We can assist you with verifying your eligibility and applying for victim’s compensation that can cover counseling, medical care, time-off from work, and other expenses related to the crime. **Since we do not specialize in court-related cases, we would recommend a specialist outside our practice if you are needing an expert witness or assistance with the legal process.
Happiness is when what you think, what you say, and what you do are in harmony.Mahatma Gandhi