Payment Methods & Insurance

Private Payment Methods Accepted:

~ Cash (please bring exact amount, change not kept on site) See the most recent Private Pay rates here.
~ Personal Checks *
~ Visa **
~ Mastercard **
~ American Express
~ Most Health Savings (HSA) cards with a Visa or Mastercard logo
~ Pro Bono Sessions – Family First Counseling offers a limited number of pro bono sessions to clients. Read More

* Check Policy – All returned checks will be charged $40, plus the price of service with the credit card on file.  Two returned checks means you will only be allowed to pay cash.

Insurance/EAP (Employee Assistance Programs)

New clients need to know a few things before beginning counseling. Paperwork and telephone calls are a part of the preparation. The client must call their insurance company prior to the first appointment (see “How To Check Your Benefits”). Not only will this telephone call inform the client of their financial responsibility but it is also becoming a requirement per the insurance companies.

[highlight background=”#ff6600″ color=”#FFF”] Note: Insurance Companies and Employee Assistance Programs are requiring that authorizations be obtained before seeing a counselor. Otherwise, the insurance company or EAP are refusing to pay.  Which means you pay for the session. [/highlight]

How To Check Your Benefits:

Call your insurance company or EAP using the 1-800 number listed on your insurance card. Let them know you are inquiring about “outpatient mental health benefits” or “Company provided EAP sessions”. Often health insurance companies have a separate department, division, or company for mental health (a.k.a. behavioral health or psychotherapy) coverage versus medical health coverage so be sure to ask about Outpatient Mental Health in an office setting benefits.

Verify your benefits. It is important to ask about the following information:

  • Pre-Authorization: If an authorization number is required for any visit
  • The co-pay amount
  • The number of visits allowed
  • The date range the visits are authorized (i.e. between today’s date and three months from now)
  • Authorization number for EAP sessions, and if you should call them back after setting an appointment
  • The deductible

Insurance Accepted at our office:

~ Cigna
~ United Healthcare (UBH/Optum)
~ ValueOptions (including plans with Blue Cross Blue Shield on the front, UAW plans)

Employee Assistance Programs (EAP) Accepted at our office:

~ AWP (Alliance Work Partners)
~ Cigna EAP
~ Espyr
~ Health Avocate EAP
~ Magellan Health
~ United Healthcare (UBH/Optum)
~ Workplace Options

Out of Network Insurance:

If we are not on your particular plan, we will be an out-of-network provider. To determine what this means for you, the first thing you should do is check with your insurance carrier.

Once you contact a representative, ask the following questions:
Do I have mental health benefits?
What is the coverage amount per therapy session?
How much does my insurance pay for an out-of-network provider?

Please verify with our office for the most up-to-date information on insurance and EAP plans.