Cardinal Point Counseling has decided not to accept in-network insurance. However, we can send you Super Bills to use for out-of-network insurance, but please check with your provider first, as only they can tell you what they might cover (typically relationship issues are not covered unless the main problem being treated is a mental illness that is helped by treating the relationship). The cost for couples counseling, pre-marriage counselng and individual counseling is $125 per session (total, not per person if a couple).
For those for whom it’s a good fit, a 3 days, 5 hour per day marathon therapy option is available for $1,750.
See below for how insurance works with couple counseling.
Insurance will often not cover marriage counseling or couples counseling sessions because relationship issues are not considered a medical problem. Instead, the insurance model is based on a diagnosed mental health condition(s) and specific treatment for that same condition(s). Some providers list a mental health diagnosis and treat that with the couple, but that puts your insurance company somewhat in charge of your care and may not allow a proper focus on the relationship (and you may not have a mental illness).
The benefits of using insurance for mental healthcare are not as straightforward as they once were. Therefore, it is essential to understand your benefits and costs related to insurance. In some cases, insurance could make sense (more for individual counseling). In other instances, deductibles and co-pays are so high that it is more cost-effective to pay with an HSA, FSA, credit card, debit card, or cash. For example, some plans have a $4-6k deductible for mental health care.
There is also the matter of privacy and who is in control of your healthcare decisions. Insurance companies often want to control treatment options and the length of your treatment. It is in the best interest of insurance companies for clients to exit counseling quickly, but that may not be in the client’s best interest. Insurance typically requires a diagnosis, which could stick with you forever and impact things like life insurance approval or cost or acceptance to medical school or the military. Paying in cash does not require a diagnosis to go on your record and would only if you request it. Dealing with insurance is also time-consuming and takes time away from our helping you. We have more time to devote to you when we don’t have to spend half of our day dealing with insurance companies.
For the reasons above and others, Cardinal Point Counseling has decided not to accept in-network insurance. Canceling without 24 hours notice results in the full fee being charged, regardless of the reason. This is because your time is valuable, and ours is as well. Check out the blog on cancellation for information on the policy (which is admittedly strict).
“Good Faith Estimate” Law
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 bill for items and services.
- You have the right to request and receive a Good Faith Estimate for the total expected cost of up to 12 months of services. The number of sessions you desire is at your discretion and you can stop treatment at any time with 24 hours notice (or not reschedule future appointments). Marathon therapy requires more advance notice. If you ever receive a bill that is more than $400 above the stated estimate, you have the right to dispute the charge. In fact, if a bill is $.01 higher than you expect, please ask us why. If you would like an estimate for services for up to a 12 month period, you will be provided with one. Please realize that an estimate is only an estimate and the total cost of therapy services is based on a number of variables involved. The cost depends on how often and frequently you want to attend, what your goals are, how much work you do outside of sessions, how well certain evidence-based interventions work for you, what happens in your life between starting and finishing counseling, how much is known at the point you want an estimate, and a variety of other factors. A good faith estimate is not a contract and does not obligate the client to receive any treatments they do not want.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.