Everyone deserves great care.

We believe that quality mental health care should be accessible to all. At Growing Well Counseling we participate in as many insurance carrier plans as possible. Finding a trained experienced therapist can be incredibly difficult and we want to be sure you can get the care you deserve at Growing Well Counseling.

Catharine, Erin, Geena and Jane & are In-Network Providers for:

Aetna/Meritain/FirstHealth

Cigna/Evernorth/Oscar

Optum Behavioral Health (United Healthcare, ConnectiCare, and Oxford)

Tricare* [COMING SOON!] Pending

Rachel Scully is in network under Catharine’s clinical supervision with:

Aetna/Meritain/FirstHealth

Cigna/Evernorth/Oscar

Our Graduate Intern Rachel Jones has a sliding scale of $50/session for all commercial insurances

**Please Note, we cannot participate in EAP sessions, even under these insurers*

While Employee Assistance Programs (EAPs) can be helpful to consumers, many folks are unaware that therapists who accept insurance agree to accept a discount that is typically below their full fee in order to help maintain access to care- The vast majority of EAP Contracts pay less than the already discounted rate in the standard insurance contract and often require more paperwork (by both client and therapist). In some instances, the paperwork required for people to use their EAP benefit requires us to share more of your private information than we are ethically comfortable- Remember these companies have a business partnership with your employer! For our sustainability and your privacy, we cannot accept EAP plans.

**************************************

Our practice manager Amie is here to help you process claims and handle any insurance issues and questions. You can contact Amie at billing@growingwellcounseling.com

**************************************

The End of Our Relationship with Anthem/BCBS/Carelon

After nearly a decade of working with Anthem BCBS, navigating many bumps in the road a multitude of business-impacting challenges, we can no longer maintain our contract with Anthem. As of 10/28/2023 we will be out of network. We have created a few pathways to increasing access to care and you can send your insurance card and date of birth as well as any questions about this transition to hello@growingwellcounseling.com and we can let you know about out of network coverage and/or alternate options.

**************************************

If we are not in-network with your plan we have partnered with Mentaya to help clients save money on therapy. If you qualify [have out of network benefits], Mentaya will handle everything with insurance to make sure you get your money back. They charge a 5% fee per claim and have helped people get thousands of dollars back per year. You can try their out-of-network benefits checker here:

Understanding Your Mental Health Insurance Coverage

Some individuals prefer to maintain their privacy, keep insurance out of the picture entirely, and opt to self-pay rather than bill their insurance, this is your choice. Some employers require a waiver of privacy and can request all mental health records, those affiliated with your healthcare insurance would be required. You may prefer self-pay if you have concerns about your care impacting current or future employment (most commonly with military, law enforcement, and security clearances).

Please be aware that most insurance companies require you to authorize providers to provide them with a clinical diagnosis. Sometimes we have to provide additional clinical information which will become part of the insurance company files. It is our personal policy that your therapy notes are not released to insurers unless you request that we do so for a specific reason. By signing this Agreement, you consent to our providing requested information to your carrier if you plan to pay with insurance.

You are responsible for payment at the time of your session unless prior arrangements have been made. Payment can be made by check, cash, credit/debit card, or with a prescription from your referring provider, your Healthcare Flexible Spending Account. *In signing this consent and policies you hereby authorize Growing Well, LLC to charge a saved credit card on file for any outstanding balances for copays, coinsurances, services not covered by insurance and/or cancellation/no show fees. You may revoke this consent in writing at any time however you may be required to pre-pay for sessions  as determined by Growing Well, LLC. If you refuse to pay your debt, we reserve the right to use an attorney or collection agency to secure payment. Please make all checks payable to Growing Well, LLC. Any checks returned to our  office are subject to an additional fee of up to $40.00 to cover the bank fee that we may incur.

Please keep in mind that professional fees include not only our time together, but also therapist time documenting our work, preparing for sessions, and communicating with your health insurance and other providers.  Typically, Fees are non-negotiable. To receive sliding scale fees, you must present proof of income through recent pay stubs or tax forms.  Fees are the same for all clients but subject to change at counselor’s discretion. We will not raise fees more than once per year and will provide all clients at least 30 days’ notice.

If you are using your health insurance for payment, you may wish to contact your insurer prior to our first session to confirm your Behavioral Health Benefits so you are aware of what your specific plan may cover. Again, you are responsible for any co-pays at the time of service. You are also responsible for knowing your coverage and for letting us know if/when your coverage changes. In addition, some insurance companies also have a deductible, which is an out-of-pocket amount that must be paid by the patient before the insurance companies are willing to begin paying any amount for services, we will discuss this once we have reviewed your specific plan coverage.

If you are interested in seeing a therapist who is not formally contracted with your health insurance plan and prefer to submit to your insurance for reimbursement on your own, you can also contact the insurer directly. Plans vary significantly so there isn’t one specific answer, these questions can help both you and our team understand what you can expect financially.

When a therapist is out of network for your plan at Growing Well Counseling, you pay the full fee ($250.00 for in intake/evaluation and $200 per visit thereafter), then we can process through Mentaya, or provide you a SuperBill if you prefer to submit on your own. Your insurance may reimburse part or all of your amount paid. We strongly recommend you contact your insurer or use the benefits checker first so you don’t get any surprises a few sessions into therapy.

Look on the back of your insurance card for Behavioral Health  or Member Services.

 What do I ask my insurance?

  • What is my coverage for outpatient mental health services?

  • Am I covered out of network? At what percent?

  • What is my yearly deductible, and has it been met yet? When does it reset?

  • What is the reimbursement rate for an out-of-network mental health provider for treatment codes 90791 (Initial Evaluation) and 90837 (55 to 60-min psychotherapy)

  • Is prior authorization required?

  • How many therapy sessions are covered per calendar year?

  • Are there any limits to my coverage?

We also recommend you have a notepad ready when you call. In addition to the answers to these questions, document the name of the person you spoke to and ask for a reference number for the call, ensuring that your communication with the insurance company is documented on their end as well.

Sometimes insurance companies will advise consumers that a provider can submit a “single case agreement” which is like a mini-contract- our therapists cannot complete single-case agreements for out of network insurances- these often require extensive phone reviews and excessive disclosure of your private information to reviewers.

Bringing this information to therapy will allow us to help you streamline the payment process as much as possible.

Fee Schedule [with billing codes should you contact your insurer with coverage questions]

Code | Service

90791 Initial Intake [Diagnostic Evaluation] 54-60 min $220

90837 Individual Therapy w or w/o family present, 53-60 min $200

90834 Individual Therapy 38-52 Min $175

90853 Group Therapy 90 min $80