Insurance & Fees
Counseling4Life believes EVERYONE has the right to heal! We are dedicated to providing you with the highest quality of care, wide-ranging availability, and reasonable and affordable rates.
APPOINTMENT HOURS (Same-Week Appointments Available):
Monday - Thursday: 8:00am - 8:00pm
Friday: 8:00am - 5:00pm
Saturday: 8:00am - 2:00pm
ADMIN HOURS:
Monday - Thursday: 8:00am-5:00pm
Friday: 8:00am-3:00pm
SESSION RATES & FEES:
A $50 deposit is required to secure any sessions for new clients using insurance. The $50 will be applied to the session cost. The difference will be collected on the day of your 1st session. If you have a $0 copay, once your ERA comes in the deposit will be refunded to you.
For Self Pay clients, you will be required to prepay for your intake session to secure the appointment.
After 90 days of non-activity, you will be considered a new client. A deposit will be required, as well as, any updated information and forms needed.
Session fees are collected on the morning of your session. Weekend appointments/session rates are collected the Friday before.
Licensed Therapists - LPC, LMFT, LCSW
Initial visit/Intake: $140 50 min session
Individual/Family: $130 50 min session
LPC Associate/LMFT Associates/LMSWs
Initial visit/Intake: $100 50 min session
Individual/Family: $90 50 min session
Graduate Student Interns**
Initial visit/Intake: $50 50 min session
Individual/Family: $40 50 min session
** All Practicum Student Interns are enrolled in graduate school. Practicum Students receive supervision from a site supervisor, and their university professor, and participate in Counseling4Life consultations.
Late Cancelation $25/No Show $50:
The fee for any LATE cancellation is $25 and NO SHOW is $50. Appointments that are canceled or rescheduled with less than 24 hours’ notification are a LATE CANCELATION. Appointments that are not attended or 15 min late are considered a NO SHOW.
Payment Decline Fee $25
All session fees are collected the morning of your scheduled session. If we are unable to collect for your session, a $25 payment decline fee will be charged to your account. Keeping your credit card updated on your portal will avoid this fee. Weekend appointments/session rates are collected the Friday before.
Credit Card Dispute/Challenge Fee $50:
In a credit card dispute, we are obligated to send your credit card company proof of your consent to services and your invoice. A $50 dispute/challenge fee will be charged to your account.
INSURANCE:
We accept most major insurance plans as a courtesy to our clients. If insurance claims are rejected due to changes in plan, Out of Network coverage, or inadequate benefits, clients are liable for all balances.
Aetna, Ambetter, Cigna, BCBS (PPO only), Gilsbar, Humana, Optum, United Health Care, Traditional Medicare Part B, First Health, Curative, Tricare, Lucet.
With the exception of Medicare, we do not process secondary insurance claims.
When Using Insurance (Please Read) …
Counseling4Life, LLC accepts insurance in good faith for delayed payments based on the online verification of benefits.
A Verification of Benefits is NOT a guarantee of payment.
Many insurance plans process mental health benefits differently than medical benefits. It is your responsibility to understand how your insurance plan pays. Counseling4Life is not a party to your insurance agreement and cannot interpret your benefits. When in doubt, we strongly encourage you to call your insurance company and become an expert in your policy. (always get reference numbers)
It is the clients responsibility to notify the office at 210-209-0642 or email scheduling@Counseling4LifeLLC.com of updates or changes to your policy. Please give us a call.
If you have more than 1 insurance, you must have a current COB (Coordination of Benefits) on file with each company. This will affect payment and processing.
When your insurance does not pay, you are ultimately responsible for paying any outstanding balance. Yes, it’s true. We offer Care Credit and reasonable payment plans.
If you wish to dispute your insurance company’s application of benefits or lack thereof, it is your responsibility to call your insurance company to file a dispute. We are not a party to your insurance contract. When you call, remember to request a reference number.
While you are disputing with your insurance company, the Financial Policies of Counseling4Life will apply. Balances will be collected with credit card(s) on file in accordance with our practice’s financial policies, so services can continue without interruption.
For clients using Tricare benefits, our office will need to obtain an accurate copy of the referral/authorization before we are able to confirm your first session. Referrals/authorizations can be emailed to Scheduling@Counseling4LifeLLC.com.
Counseling4Life does not accept EAP Benefits.
LEGAL SITUATIONS, COURT, SUBPOENAS:
Counseling4Life provides emotionally supportive therapy.
We do not engage in court proceedings as part of our services. This is not within the scope of what we do. We kindly request that you refrain from requiring us to do so. You must find a licensed custody evaluator or a forensic psychologist. We are happy to list off a few if you call us.
If subpoenaed there is a $3000 retainer fee and $300/hour for time spent preparing for court and or time in court, along with fees for copies. See the most current informed consent for details.
If records are subpoenaed or and affidavit requested, this will be billed at $300 an hr plus $150 for a therapist consult.
ALL LEGAL FEES MENTIONED ABOVE MUST BE PAID UPFRONT.
Again, this is not what we do nor the type of service we provide. If you need a therapist with legal and court experience who can testify on your behalf, we can provide you with referrals.
FORMS, LETTERS, & REPORTS $300:
Requests for the creation of reports, assessments, treatment summaries, affidavit, letters, or other materials, such as disability (non-Social Security Administration requests), FMLA, legal situations, will be billed at a rate of $150+ per hour and require an initial 1 hr. consultation with your therapist at $150/hr. to determine if we are able to honor this request for documentation or reports. Records requests form must be completed and sent to our office and must accompany payment and all proper authorizations.
RECORDS REQUESTS $30:
$30 for Records Requests + $5 per follow-up on original record requests. Please compete Records Request Form below.
If records are for a legal situation or a personal situation regarding FMLA, Disability, Life Insurance, a one hour consultation with your therapist will be required before executing the request and will be billed at $150 per hour.
$20 flat fee for Notary services on record requests, etc.