Insurance Accepted at Positive Change:
Anthem Blue Cross
ComPsych (*Insurance only, not EAP*)
Corporate Counseling Associates EAP
Optum Behavioral Health
United Behavioral Health/United Health Care
Other various EAPs
In addition, if you have a PPO insurance plan not listed above, part of our fees may be reimbursed directly to you by your insurance company. You may use the calculator provided by Nirvana below to assist you in calculating an estimate of what would be covered by your plan for an out of network provider. Please note, the tool below only reflects out-of-network benefits. If we are in-network with your insurance plan, then we would be happy to assist you in verifying your insurance benefits during the scheduling process.
Services may be covered in full or in part by your health insurance or employee assistance program (EAP). Please confirm that your specific therapist is in-network with your insurance company or EAP prior to the 1st session. Please be aware that not all diagnoses/problems/conditions dealt with in therapy are covered by insurance. It is your responsibility to verify the specifics of your coverage prior to therapy. (There is often a phone number on the back of your health insurance card, it may even be specifically for 'behavioral health/mental health benefits). Also, check your coverage carefully by asking your insurance company the following questions:
Do I have mental health benefits?
Do I have a co-pay? If so, how much is it?
What is my deductible and has it been met?
How many sessions per calendar year does my plan cover?
Does my plan cover an out of network provider?
Is approval required from my primary care physician?
Additional services (including letter writing, consultations with other professionals, telephone conversations, travel time, reviewing records or reports, longer sessions, etc.) will be billed directly to the client at the same rate as the therapy sessions. Insurance typically does not cover these services.
Uninsured and Private Pay Clients: Notice of Good Faith Estimate
You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost.
Under the law, health care providers need to give patients 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.
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.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.
Insurance vs Self Payment: Which should I do?
It is beneficial to be informed about the advantages and disadvantages of using insurance to pay for therapy services. The differences between paying for sessions on your own versus using insurance coverage are reviewed below.
Confidentiality: Insurance companies providing payment for therapy services have a right to information about a client's treatment in order to determine if, in their opinion, treatment is medically or clinically necessary. This personal information is entered into a database which offers no guarantee of protection or privacy.
For self payment, communications shared between client and therapist are kept private and confidential, except for certain mandated disclosures involving child or elder abuse, or when a client is a danger to self or others. Therapists must maintain strict privacy over clients' personal information and treatment progress unless a specific release of information is signed by the client.
Type of Care: Insurance companies determine the type and extent of treatment, which entails a limited number of sessions to reduce costs. Brief therapy is highly encouraged despite client and therapist preferences. Additionally, qualifying for coverage of treatment is dependent on the assignment of a diagnosis and treatment of a mental disorder. This can have negative consequences for clients who do not exhibit a diagnosable problem, who are concerned about the appearance of a mental disorder on present and future medical records, and who are concerned that a diagnosable mental disorder may affect one’s future insurability.
With self-pay, clients and therapists are free to determine the type and extent of treatment to be provided. This includes collaboratively identifying problematic issues, deciding on goals to be addressed, and determining how many sessions are necessary.
Choice of Therapist: Most insurance companies restrict the choice that clients have in selecting a therapist. The client chooses his/her therapist from a list of providers that are contracted with their health care network. If a client is dissatisfied with their choice in therapist, they must obtain authorization to seek treatment from a different therapist on the insurance companies list.
With self pay, clients have the right to select the therapist of their choice. This decision is based solely on clients’ preferences, satisfaction, and needs. Clients have the right to choose a different therapist if at any time they are dissatisfied.
Our Fees for Psychotherapy
$170-$210/session for Licensed Clinicians. $145/session for Associate Clinicians. Please call or email to inquire about clinician-specific rates.
Reduced fee services are available on a limited basis.
We accept cash, check, credit card, and some insurances and EAP’s. Payment is due at the time services are rendered.
We have a 24-hour cancellation policy. If you do not attend your scheduled appointment, or you cancel your appointment less than 24 hours in advance (either with your therapist or our front desk), you will be required to pay a $95 late fee. Please keep in mind that your insurance company and/or EAP will not cover this fee, so the cost of the missed session is the responsibility of the client.