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Fees, Payments and Cancellation Policy

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Our standard rate for therapy is $165 per hour (53 minutes face-to-face, 7 min. administrative) . These rates are standard among licensed therapists in our community who have specialized training in specific areas. We offer a limited amount of reduced rates for clients whose financial or insurance situation presents a hardship; please feel free to inquire about whether you qualify. If you have out-of-network mental health or behavioral health benefits, you may be eligible for reimbursement through your insurance company (see below). We can provide you with a SuperBill to provide to your insurance carrier.

If you plan to use your health insurance, we recommend you call your insurance carrier or consult your plan information for benefit information including your deductible and/or copay/co-insurance as they vary based on your provider and plan.

We are in network with Aetna, BlueCross/BlueShield, Bright Health, Carolina Behavioral Health Alliance (CBHA), Cigna, GEHA, NC Health Choice, Humana, Medicaid (North Carolina Plans), Medicare, UMR and United Healthcare. We are also in network with many Employee Assistance Providers including AllOne, Cigna, Health Advocate, Lyra, New Directions, Wake Forest Employee Assistance Program and Unum. However, please note that not all therapists are in network with each insurance.

*PLEASE NOTE: WE ARE NOT IN NETWORK WITH BLUE VALUE OR BLUE LOCAL PLANS*

What questions should I ask my insurance company?

Mental health benefits are specific to your individual plan. We suggest calling the number on the back of your card and asking the following questions:

  1. Do I have mental health insurance benefits?
  2. What are my mental health benefits?
  3. Is Achieving Changes Counseling an in-network provider?
  4. What is the coverage amount per “psychotherapy session”?
  5. How many “psychotherapy sessions” does my plan cover?
  6. Is approval required from my primary care physician (PCP)?​
  7. How much does my insurance pay for an in-network (INN) provider? Out-of-network (OON) provider?
  8. Do I have a deductible? If so, what is it?
  9. Have I met my deductible? If not, how much is left before it is met?
  10. Do I have a co-pay?
  11. Do I have co-insurance?
  12. Do I have a secondary insurance plan for Mental/Behavioral Health?

What are the advantages to NOT using insurance?

There are several advantages to not using your in-network insurance, even if the cost is higher. Successful therapy requires a provider who is a good match for you. Because insurance companies often limit the size and scope of their provider networks, it can sometimes be difficult to find an in-network therapist who is qualified, available, nearby, and a good personal match. Insurance companies may also put restrictions on your treatment and limit the number of sessions demanding justification of medical necessity. They may also request access to your confidential record. Many insurance companies contract with therapists at rates that are far below market value, which means that providers with specialized qualifications may be underrepresented on insurance panels.

Lastly, when you call your insurance to verify your benefits for therapy, that’s not a guarantee of payment. Insurance determines payment at the time the claims are reviewed, and this amount may differ drastically from what is initially quoted. Unfortunately, providers have no control of the timeline of insurance claims processing. We submit in-network claims within 24 hours of client appointments, but insurance can take between 30-120 days to process claims. There is no way to be 100% certain about exactly what you will owe per session until claims are processed and your provider receives the Explanation of Payment.

Payment

Payment for services is due at the beginning of each session and a credit card is required to be kept on file at all times. We accept cash, major credit cards, and HSA/FSA payments. Click here to make a payment on the website now,

Cancellation Policy

We have a 24-hour cancellation policy. We will always work with clients to reschedule appointments whenever possible. If a client is unable to attend a session, we ask them to cancel at least 24 hours beforehand. Otherwise, they are charged a late cancellation/no-show fee of $50 which will be charged to your credit card on file.