Fees, Insurance and Reimbursement

Counseling as a High ROI Purchase

Congratulations on your decision to participate in counseling. Counseling is an importantbright_colorful_water_drop-1600x900 investment in your wellbeing: short and long term. Your determination to improve yourself through regular counseling visits will have ripple effects throughout your circle of relationships: family, friends and co-workers, with your community, and so on.

As important as these relationships are, I urge you to look at the costs of counseling as you would consider any other long term purchase which brings high value to your life.

When you buy a car, for instance, you expect that you will make payments over time. The value of having safe, comfortable, reliable transportation that makes you feel good when you sit behind the wheel is greater than the challenge of budgeting for those monthly payments, insurance, and fuel.

Counseling is similar – though much less expensive than new car! – it is an investment that is well worth the cost. Just like any purchase or investment, you make a determination to put it in your budget because you, and your relationships with others, are worth it.

Indeed, if your relationships with co-workers and customers improves as a result of the work you do in counseling, you could say that it will pay dividends. But usually, we don’t rate the value of counseling in dollars and cents.

Counseling is Preventative Medicine

However, a case can be made that of all the preventative “medicine” you can ascribe to, DSC04170counseling is a high impact intervention. Because stress has been identified  as a primary source in illness (source), or depression as the primary cause of days lost from work (source), or that substance abuse – which frequently starts as a coping mechanism for other problems – these cause a loss of billions of dollars to employers and the global economy every year. Taking steps, like regular counseling visits as “tune-ups”, healing past traumas, anxiety and depression, having a mindfulness practice, prevents illness.

Health Begins in the Mind

When looked at through this lens, counseling – either crisis or wellbeing oriented – has a very good return on investment( ROI): physically and financially, as well as mentally, emotionally, and, if you will, spiritually.

Fees, Insurance, and Reimbursement

Because I’m a licensed counselor, my services are covered by most insurance plans. My fees are typically within the covered range (“UCR”) of most insurance companies. Check with your insurance company to confirm your coverage.

My services are provided directly to you and your payment is made directly to me. I’ll provide the invoice and all necessary information so you can seek reimbursement from your insurance company.

If you’re considering filing with your insurance company for reimbursement, I’ll provide you with the information you need. Before you make that decision, please consider this:

  • Confidentiality: All insurance companies require some information about the reason for psychological treatment in order to process your claim. In addition, managed care plans sometimes require detailed information about why you’re seeking help, and a diagnosis, as well as your history, symptoms, family life, work life, your level of functioning, and so on. The information is entered into increasingly large information systems.
  • Control of Treatment: Managed care companies use the information to decide if treatment is medically necessary; what kind of therapy is approved; and how long it should continue. Most times, the insurance company employees who make these decisions have limited training — and of course have never met with you.

Due to my commitment to confidentiality and my belief that your therapy is yours, not your insurance company’s, I participate as an Out Of Network provider for PPO’s.

I accept payment from you and provide all the information necessary for you to seek reimbursement from your insurance company.

I will be glad to personally discuss your particular situation with you.

Please feel free to contact me about questions or concerns you have about fees and insurance. I will be happy to discuss payment options , including payment plans, package fees for multiple visits, or other arrangements with you. My goal is to find an arrangement that works for both of us and gets you the high quality services you seek.

Thank you for choosing DayQuest Life Counseling and Healthy-Mind Services. I look forward to providing excellent, caring services for you.

Michael E Whalen M.A. LMHC


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