Our Fees &Insurance


Fees

Without the use of insurance, the self-pay fee for our therapy session (tele-therapy, video, or in-person) is:

Psychiatric evaluation without medication management (up to 60min.) Initial visit | $175-$200

Psychotherapy (45-60min.) Subsequent visits | $150-$175

Insurance

We are in-network with many commonly known insurances: United Healthcare, Connecticare, Oxford, Aetna, and Cigna. We work with Anthem BCBS on out-of-network basis. All insurances cover therapy if it is medically necessary but you may have a copay or deductible. Also, not all providers in our group participate with all insurance plans. It is imperative you provide us with your insurance information prior to your visit so we can match you with a provider that works with your plan.

Check your insurance.

We take many commonly known insurances.

Is your plan not on the list? Fill out the form with your insurance information and we’ll be in touch shortly.


Insurance Guide and FAQs

As health professionals, it is our responsibility to inform you that when you use health insurance to pay for counseling services, your mental health diagnosis becomes a part of your permanent health record. Many people have questions about whether or not counseling services are reimbursable by their health insurance. These questions are best answered by a representative of your health insurance company, because benefits and coverage varies widely between health insurance companies and insurance policies.

Following are some frequently asked questions that are related to health insurance reimbursement for counseling services.

What is Mental Health Diagnosis?

A mental health diagnosis is required for insurance to pay for counseling. A mental health diagnosis is a set of symptoms and criteria that characterizes a specific condition. In mental health, diagnoses we use include such things as Major Depressive Disorder, Panic Disorder, Generalized Anxiety Disorder, Bipolar Disorder, Schizophrenia, Oppositional Defiant Disorder, Attention Deficit Hyperactivity Disorder, Post Traumatic Stress Disorder, etc. There are also substance-related diagnoses such as Cannabis Use Disorder, Cocaine Use Disorder, Opioid Use Disorders, etc. Counselors use the Diagnostic and Statistical Manuel (DSM-5) to assess for mental health and substance use diagnoses.

Why is a mental health diagnosis required for insurance to pay for counseling?


This is a requirement of the insurance company, not the counselor.  Insurance companies require that counseling services are treating a specific condition (the diagnosis).  For example, if a person is diagnosed with Major Depressive Disorder, the counseling services would need to be focused on reducing the symptoms of depression in order for insurance to reimburse for counseling.

What if I don't have a mental health diagnosis?


If counseling services are not focused on a diagnosed mental health disorder, they are not generally reimbursable by private health insurance companies.

Why doesn't insurance generally cover marriage counseling?


Marriage counseling is designed to focus on the relationship between spouses or partners, and not on a clinical mental health diagnosis.

Why do people choose to pay privately for counseling?


There are many reasons why people choose to pay privately for counseling:

  • They do not have a mental health diagnosis

  • They have a high deductible

  • They want counseling to focus on an issue that is not related to their diagnosis

  • They do not want to be assessed for a mental health diagnosis which would become part of their permanent health record

  • They want to work with a specific counselor who is the best fit for them, even if that counselor is not in network with their insurance

  • They want to be seen more frequently than insurance would allow

  • They want to be seen for a longer duration than insurance would allow

  • They want to work with a counselor who has a specialization but may not be in network with their insurance

  • They want an alternative form of therapy that may not be covered by their insurance

  • They want Marriage or Couples Counseling

  • For personal reasons

Get started with Fairfield Counseling Center, today.