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Choosing Private Pay or Insurance Benefits

 

Good information leads to good decisions, especially regarding the care you receive.  Life Dynamics believes each person is able to make reasonable decisions in their best interest when given adequate information.  This information is included prior to discussing contract options as a courtesy.  Please consider the following…

 

Private Pay

 

Using a private pay option allows access for therapy and counseling for any reason.  No diagnosable mental health condition is required for services.  Should you choose to use a private payment option...

  • You and your clinician decide what is most important to address, without third party restrictions.
  • If a diagnosis is made, it remains confidential and need not be sent to another person or group.
  • You and your clinician can determine the length and frequency of each session.
  • Your record and all information in it will remain between you and your clinician, within the limits of the laws, regarding confidentiality.
  • Relationship and marriage concerns can be freely and specifically addressed.
  • Your out of pocket per session cost is likely to be higher than if using a benefits package.
  • You may have a Flex Plan to assist in payment through an employer.

Using a Benefits Package

 

Insurance benefits for out-patient mental health are often included as part of a complete medical insurance benefits plan.  These benefits are yours and are available for use in our office, if allowed by your carrier.  Should you choose to use your benefit package...

  • Out of pocket costs may be less expensive than a private pay option.
  • A diagnosable mental disorder is required.  Your clinician will assess your condition and make an appropriate diagnosis.
  • Your primary care doctor or clinic may be contacted to coordinate your medical and psychological treatment.
  • The diagnosis and treatment plan becomes part of your permanent medical record.
  • Your insurance carrier may refuse payment for part or all of your treatment, in which case you will be responsible for payment of the difference.
  • The number of sessions allowed may be limited by your insurance carrier.
  • Should your insurance carrier change, you may be unable to continue therapy with the same clinician.
  • The benefit package may limit having additional family members participate.
  • Marriage and relationship counseling is often not covered by benefits packages.


 

Private Pay Fee Schedule

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Life Dynamics, Inc. offers several private payment options.  These plans are designed for people interested in enhancing, improving and/or stabilizing their mental health and wish to have an increased level of confidentiality regarding their treatment.

 

 

Session by Session Plan

A Session by Session plan provides the greatest degree of flexibility and opportunity for a deep exploration of a person’s personality, the dynamics that are at play within that personality, and there is no limit to the number of sessions a person can use.  This plan is discounted off our regular fee to $100.00 per session given a minimum of 4 appointments are part of the written contract.  The first session will carry an additional $40.00 intake fee.

 

4 or 6 Session Plans

These plans are designed for people who wish to do brief, focused work, usually around a single issue.  The sessions must be used within four months of the first session.

            4 sessions - $360.00                            6 sessions - $510.00

 

8 or 10 Session Plans

These plans allow for exploration and resolution of issues that are more complex.  All sessions must be used within six months of the first session.

            8 Sessions - $640.00                          10 Session - $750.00

 

 

Multiple Session Plan Policies

  • Multiple session plans are paid in full at the conclusion of the first session by cash and/or check.
  • When a multiple session plan is selected, the client and clinician establish a written contract outlining the goals of counseling and the date the final session is to be completed.
  • No refunds are provided for unused sessions.
  • 24 hour notice is required for canceling or rescheduling a previously scheduled appointment.
  • There is a $45.00 charge for appointments that were not previously cancelled.
  • All sessions must be used within the time limits stated in the written contract.

 

 

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