Payment Options
Making Therapy Accessible
We believe that financial concerns should never stand in the way of receiving quality mental health care. At Love Light Mental Health Counseling Services, we offer a variety of payment options to help make therapy as accessible as possible.
Whether you plan to use your insurance benefits, pay out of pocket, or finance your care, our team is here to help you understand your options and answer any questions before you begin services.
Self-Pay
We welcome clients who choose to pay for therapy without using insurance.
If you are interested in self-pay services or would like information about our current fees, please contact our office. Our team is happy to discuss our fee structure, answer your questions, and help you determine the payment option that best meets your needs.
Insurance
We are committed to making quality mental health care as accessible as possible by accepting a variety of insurance plans. Our team is happy to help verify your benefits and answer any questions you may have about using your insurance for psychotherapy services.
Because coverage varies by plan and individual policy, we encourage you to contact our office before your first appointment so we can help you better understand your benefits.
Please Note: Insurance coverage may vary based on your clinician's license type, level of supervision, and your specific insurance plan. Our front office will verify your benefits prior to your first appointment whenever possible.
Questions to Ask Your Insurance Provider
Before beginning therapy, we recommend contacting your insurance company and asking the following questions:
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Are outpatient mental health services covered?
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Are telehealth therapy appointments covered?
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Do I have a deductible, and has it been met?
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What is my copayment or coinsurance for psychotherapy services?
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Is there a limit on the number of therapy sessions covered each year?
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Is prior authorization or a referral from my primary care physician required?
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Understanding your insurance benefits before your first appointment can help you avoid unexpected costs and make informed decisions about your care.
Out-of-Network Benefits
If your insurance plan is not shown above, you may still have out-of-network (OON) benefits that can help offset the cost of therapy.
Coverage varies by insurance carrier and employer-sponsored health plans. We encourage you to contact your insurance company to determine whether your plan includes out-of-network coverage for outpatient psychotherapy and telehealth services.
Our office is happy to answer general questions about insurance and help you understand your available options.
CareCredit® Financing
We understand that investing in your mental health is an important decision, and financial flexibility can make accessing care easier. That's why Love Light Mental Health Counseling Services accepts CareCredit®, a healthcare credit card designed to help qualified applicants pay for eligible healthcare expenses over time.
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CareCredit® may be used for self-pay services and other eligible out-of-pocket expenses, allowing you to begin or continue therapy while managing costs through flexible financing options.*
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Whether you're starting therapy for the first time or continuing your mental health journey, CareCredit® can help make treatment more accessible.
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Subject to credit approval. Promotional financing options are offered by CareCredit® and are subject to eligibility requirements. Please refer to CareCredit® for complete terms and conditions.
Cancellation Policy
We understand that life happens and schedules sometimes change. If you need to cancel or reschedule an appointment, please notify your therapist as soon as possible.
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Appointment cancellations and missed appointments may be subject to fees in accordance with our practice policies. Cancellation fees are the client's responsibility and are not covered by insurance.
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Clients receive detailed information regarding appointment attendance, cancellations, rescheduling, and applicable fees as part of the intake process. We encourage you to review your intake forms and practice policies carefully and contact our office with any questions.