Counselor Fees, Insurance, Q&A

Counselor Fees, Insurance, Q&A 2018-02-19T14:33:02+00:00

How does counseling work?

There are three questions I am most interested in:

  • What brings you to counseling at this point in time?
  • What do you think may happen if things don’t change or you don’t get the support or help you need?
  • What do you see getting better in your life as a result of a successful therapy experience?

My goal is for you to leave the initial counseling session feeling understood with a sense of hope and direction.

What else happens in therapy?

We’ll talk about your situation. I want to hear your story. I’ll listen to your history and current challenges. We’ll collaborate to help you reach your goals.

As a seasoned therapist who is committed to providing the best counseling and coaching I can offer, I still see you as the expert on your life.

So while I may ride along with you in the car for awhile and share my road map; you are in the driver’s seat.

Any decisions or willingness to follow suggestions, that’s your call. I respect your ability to make choices.

I’m here to help you sort it out so you can be in a better place moving forward.

How often will we meet for counseling?

Consistency brings the best results.

Most counseling clients come weekly. It’s best to schedule a set time each week. Committing to and prioritizing that time is ideal and equates to a better outcome.

Occasionally, people attend therapy more often and may come twice a week for a period of time.  Others may less frequent or longer sessions per below. Many reduce counseling frequency once things improve and attend every other week then monthly to maintain gains.

Most of my therapy practice is in person, however, I offer personal coaching and counseling on-line or via telephone when appropriate.

What if my schedule is chaotic?

Some people have responsibilities that require flexibility in scheduling their counseling sessions. Although it’s best to schedule a set time, I can sometimes accommodate such needs so long as we can find alternative times. We can do an occasional phone or on-line counseling session via VSEE a confidential free platform, if indicated, and appropriate to your needs.

Longer sessions are an option for those looking to get a jump start on the individual or couples counseling process or if there’s a need for more intensive work for a period of time.

Extended sessions are helpful for busy clients with schedules or travel obligations that don’t allow for weekly counseling sessions to occur.

What is the duration of therapy?

It depends. About half of my clients come for just a few or for several months for support through a difficult time, to focus on a specific concern, or until they feel they are bouncing back or moving forward.

A few attend counseling for a handful of sessions and feel they have benefited enough to complete or pause the therapy process. A Tune Up.

This is considered shorter term counseling.  I am happy to work on a short term basis when it’s appropriate.

Others benefit from longer term counseling. They may have long standing issues, childhood experiences that are interfering with their lives, or on-going stressors or changes in their career, relationships, health, recovery, or families. These issues often require a longer period of support, usually for about a year or sometimes longer.

Some clients or couples may attend counseling for a few years as they continue to benefit from on-going or intermittent counseling.

Others use therapy for a period of time, take a break, and return when they are ready, something comes up, they need to do more work or for a few booster or tune up counseling sessions.

The model I use for Marriage Counseling or Couples Therapy relies on research proved approaches such as Gottman and Emotionally Focused Therapy or EFT. Positive results are often achieved in about 10-12 sessions.

There are lots of options and flexibility depending on what works best for you. While I love to see people commit to the process, I trust clients to make their decisions about length of time in counseling, hopefully with my input.

Fees, insurance, payment for therapy:

Counseling is an investment in your life, health, relationships, family, and future.

Payment for therapy

Cash or check are preferred and accepted at the beginning of each counseling session. There is a 5. discount for using checks or cash.

Visa, Discover, AE, or Mastercard are also accepted including cards associated with using your flex or health care saving account which offers tax savings too. You can choose to use your cc on a regular basis or as a back up if you forget your therapy payment, etc.

Insurance for counseling

This is a boutique style private counseling practice not a managed care driven mental health clinic. If you choose to use insurance for counseling reimbursement, I can work with you as an out of network provider. Usually PPO or POS plans are in this category.

Many of my clients who use their OON (out of network) benefits get reimbursed a % of the counseling fee. It varies quite a bit but is often in the 50-80% range with 70% being common. Others use their Health or Flex Account (see below) which may cover all of it and allows tax advantages.

You’ll need to check your plan to determine benefits for licensed counselors as OON providers, if there’s a deductible and if its been met, and what percentage they reimburse for individual or family counseling.

I can provide you with a receipt with the necessary info to obtain counseling fee reimbursement based on your plan.

What’s the difference?

Counselors who choose to directly contract with insurance companies have to make concessions as do their clients. It’s important to me to preserve the integrity of the counseling process and avoid conflicts with a managed care company at times requiring personal therapy data and details about your treatment.

I strive to offer a premium counseling experience without involvement from insurance companies or the various entities they outsource to for managing their electronic data.

Using a Health Savings Account, Flex Account, or HRA/HSA for therapy

Using a pre-tax Flex or Health Account for counseling is a way to save money and avoid the hassles of managed care. Unlike using your health insurance for therapy, this route may not always require you to provide a mental health diagnosis.

I’m able to directly charge credit cards associated with your employer sponsored HRA or HSA (Health Savings Account; Flex Spending Account) type account. I can accept HSA type checks for counseling services too.

Counseling Fees

The return on investment (ROI) and value for therapy can be immeasurable as its goal is to improve your life, relationships, health, family, and well-being.

50 min. Individual or Couples Counseling: $210.

The initial session/assessment is about an hour or so. It is $235. If indicated or requested, a longer initial session can be scheduled per rates below.

85 min. therapy session for individuals or couples, best length for most couples sessions: $315.

110 min. therapy session: $420.

Some busy professionals prefer longer therapy sessions or intensives to work on specific issues. This may be a good choice for those who need relief fast or if you have a hectic schedule or travel commitments where longer less frequent sessions are preferred.

For couples, these longer counseling sessions  are often more effective and can act as a jump start if you feel stuck in negative patterns or if your relationship is in trouble.

Phone and on-line coaching or counseling sessions using a secure confidential platform (VSEE) are available if certain criteria is met.

What type of therapy do you use?

Each person is unique. I tailor the counseling approach to what works best. Sometimes this means employing evidenced based practices like Cognitive Behavioral Therapy (CBT), Motivational Interviewing, Mindfulness, Psycho-dynamic, Emotionally Focused Therapy or EFT, or Gottman method for relationship or marriage therapy, or any number of counseling approaches.

Since I’ve had a wide range of counselor training and experience, I can use tools and strategies within a framework that fits for you.

The “room” of therapy can be a safe place to talk through what’s going on and that process can be helpful in and of itself.

While this may be a challenging time in your life, I’m solution focused and “strength based”, not focused on so called psychopathology, meaning I also recognize you have skills and resources to tap into as well.

While you may have hit a few stumbling blocks in your life or relationships, together we’ll work on solutions which allow you to use the resilience and skills you need.

I want to help you overcome obstacles to lead the healthier and happier life that you deserve.

Do you work with issues other than your counselor specialties?

Of course. No teens or kids although I can recommend therapists who specialize in those age groups. I love to work with parents struggling with challenges involving their teen or adult children.

I limit my counseling practice to adults and couples.

I’ve found that specializing where my strength, expertise, and passion reside leads to more fulfilling and successful outcomes and benefits.

How do we get started?


I know it is not easy to seek counseling so I do my best to make the process user friendly.

Here’s 3 ways to connect with me:

  1. 215-802-6521
  3. Click the Let’s Get Started button

Contact me, if you have any questions or to book a complimentary 10-15 min. phone consultation or a therapy appointment at my Chestnut Hill or Lower Gwynedd, PA office or for on-line or phone counseling or coaching if appropriate.

Let’s Get Started
Therapist & Counselor serving Montgomery County area including Blue Bell, Dresher, Jenkintown, Rydal,  Lafayette Hill, Elkins Park,  Huntingdon Valley, Fort Washington, Horsham, Main Line. Chestnut Hill counseling office is within one block of buses and regional rail from surrounding area including Center City.