Rates & Insurance
Rates
- $185.00 per hour
Insurance
Thank you for choosing ClearSkies Individual, Couples and Families. We are truly honored to be a resource to you, and we look forward to serving you. We know the stigma surrounding therapy and want to help you ease into the work you will be doing. Clients frequently ask us questions about the use of insurance to help pay for therapy. Below are some answers to those questions. For more complete information about your insurance plan, coverage, benefits, policies, and limitations, we encourage you to contact your insurance company directly.
Why Are Many People Choosing NOT to Use Their Insurance for Therapy?
• PRIVACY: We would hope that therapy is private. However, insurance companies require access to your records, they require therapists to submit a formal mental health disorder diagnosis, which becomes part of their permanent medical personal information (PMI) record (information you may not want out there. These may be considered a pre-existing condition making it difficult to renew your policy or switch to a new carrier. At this point premiums could also be increased.
After they review your therapy notes, THEY decided if your struggles meet their criteria and whether or not to cover therapy.
• THERAPY IS NOT A MEDICAL NECESSITY: Most insurance companies do not consider relationship issues, marital and family, struggles, grieving, life transition, self-improvement, etc. medically necessary and therefore usually will not cover the cost of therapy even though you are paying them premiums for that service.
• LIMITING & SELECTIVE SUPPORT: Insurance companies limit services that can be provided and who you can receive them from. In other worlds, you may not be able to decided who to see for therapy, your insurance company give you a limited selection.
• PRE-APPROVAL: Many insurance companies require written approval from a primary care physician in order for therapy services to be covered.
• HIGH DEDUCTABLES: Insurance polies often have high deductibles that must be met before full insurance coverage benefits can apply – many clients won’t reach those deductibles.
• HSA & AFFORDABILITY: Many clients find that therapy services are more affordable than they realize. Some also choose to use their Health Savings Account (HSA) instead.
Am I Able to Use My Insurance Benefits at ClearSkies? If you have insurance benefits for therapy, you may be able to utilize those benefits with us. The exact amount covered (if any) is hard to say as each insurance carrier and benefit package is different. We can provide you with a “Superbill” for “Out of Network Insurance Reimbursement.” You would pay the full session amount to ClearSkies at the time of your service, we compile these Insurance Reimbursement (Superbill) statements for you to submit to your insurance company, and then the insurance company reimburses you directly for any benefits you qualify for.
Why Doesn’t ClearSkies Bill Insurance Directly?
• For many clients, mental health therapy is not covered in their insurance benefits.
• Many insurance plans do not consider relationship problems a “medical condition.”
• Clients with high-deductible plans may pay out-of-pocket for most of their services anyway.
• Some of our clients prefer to use their HSA.
• Clients with insurance benefits are often still able to use their benefits through Superbills.
• To keep our rates lower for all of our clients.
Cancellation Policy
If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you may be charged for the full rate of the session.
Any Other Questions
Please contact me for any additional questions you may have. I look forward to hearing from you!