Fees and Insurance

Choosing to invest in your mental health is a significant step, and we believe in absolute transparency when it comes to financial costs. Below you will find detailed information regarding the insurance panels we accept, our session rates, and your consumer rights under federal law.

Insurances Accepted at This Time

We are currently in-network with the following healthcare insurance providers:

  • UnitedHealthcare (UHC) / United Behavioral Health (UBH)

  • Aetna (Please note: Aetna EAP is NOT accepted at this time)

  • Optum Health

  • AvMed

  • Cigna and Evernorth

  • Curative

  • Oscar Health

  • Florida Blue

  • UMR

⚠️ Important Insurance & Coordination of Benefits Policies

  • Verify Your Coverage: Depending on your specific plan design, outpatient mental health services may be covered in full or in part. SMR Mental Health Counseling, LLC will attempt to verify your benefits prior to starting sessions, but it is ultimately your responsibility to contact your insurance company to confirm your financial obligations (such as deductibles, copays, or coinsurance).

  • Secondary Insurance & Claim Denials: If you carry a secondary insurance policy or a carve-out plan, you must provide all insurance details to us at intake. If your primary insurance denies a session claim due to coordination of benefits or an undisclosed secondary policy, you will be financially responsible for the payment of the denied claims.

  • Employee Assistance Programs (EAP): If you are utilizing employer-sponsored EAP benefits, our practice limits utilization to one set of authorized EAP sessions per calendar year. If your clinical needs require continuing therapy beyond the authorized EAP window, your care will be transitioned to your standard health insurance coverage or self-pay rates.

Out-of-Pocket Rates & Payment

For clients who choose not to utilize insurance, have out-of-network benefits, or do not have health coverage:

  • Standard Psychotherapy Session: $140 per 45–50 minute session.

  • Rate Adjustment Policy: Self-pay and out-of-pocket rates are subject to periodic review. Active clients will always be provided with at least a 30-day written notice prior to any rate adjustment.

  • Accepted Payment Methods: All major credit cards, debit cards, Flexible Spending Account (FSA) cards, and Health Savings Account (HSA) cards are accepted. Payment is due securely at the time of service.

Out-of-Network Benefits & Superbills

If you wish to utilize an insurance provider not listed above, your plan may still cover a percentage of your care via your Out-of-Network (OON) benefits. Your therapist can provide you with an itemized monthly document called a Superbill, which you can submit directly to your insurance company for potential personal reimbursement depending on your plan's structure.

📞 Questions to Ask Your Insurance Provider

To figure out your out-of-pocket costs before your first appointment, we highly recommend calling the member services number on the back of your insurance card and asking these specific questions:

  1. Does my health insurance plan include outpatient mental health benefits?

  2. Do I have a deductible for mental health services? If so, what is it, and have I met it yet?

  3. What is my exact copay or coinsurance percentage per therapy session?

  4. Does my plan limit how many therapy sessions per calendar year I can have?

  5. Do I have Out-of-Network benefits for mental health, and do you accept Superbills?

Your Right to a Good Faith Estimate

In compliance with the federal No Surprises Act (effective January 1, 2022), all healthcare providers are required to notify clients of their rights and protections against potential "surprise medical billing."

Protection Against Surprise Billing

This Act mandates that we notify you of your federally protected right to receive an explicit cost estimate when services are rendered by an out-of-network provider, if you are currently uninsured, or if you actively elect not to use your insurance and pay out of pocket instead.

Understanding Your Estimate

You have the right to receive a written Good Faith Estimate outlining the projected costs of your treatment. Because mental health care is deeply individualized, it can be difficult to determine the exact, long-term length of psychotherapy from the outset. You always maintain the total right to decide how long you would like to participate in services.

Your therapist will actively collaborate with you throughout your care to discuss treatment planning, progress milestones, and how many sessions may be clinically appropriate to meet your personal goals.