Billing + Payment
Rates & Insurance
Rates are based on insurance coverage and the agreed upon private pay fee. Typically, the billed fee is $90 – $200 per session. Any co-pays are based on each client’s insurance.
Should I Use My Insurance Or Private Pay?
Health insurance or employee benefit plans may fully or partially cover services. Not all mental health services are reimbursable through insurance. It is your responsibility to verify the specifics of your coverage. We do not bill insurance companies for relationship-based counseling.
It’s also important to note utilization of your insurance is contingent upon “medical necessity,” often requiring a psychiatric diagnosis. (We believe mental health is a basic standard of living for everyone. Unfortunately, insurance companies disagree.) Once a psychiatric diagnosis is assigned through your insurance provider, we cannot control how your information is used once submitted. We do not want this reality to discourage you from seeking the help you need. If concerned, please call us for a free informational to talk through your billing options.
Accepted Insurance Plans
Beacon Health Blue Care Network Blue Cross/Blue Shield
Blue Cross Complete Health Alliance Plan Magellan
McLaren Health Advantage McLaren Health HMO McLaren Medicaid
Meridian Health Plan Optum United Health Care (Commercial)
United Health Care (Medicaid) Value Options
Vet your coverage carefully by asking the following questions:
Does my primary care doctor have to refer me?
Do I have mental health insurance benefits?
What is my deductible and has it been met?
How many sessions per year does my health insurance cover?
What is the coverage amount per therapy session?
Payment: Our accepted forms of payment include insurance payments, cash and checks.
Cancellation Policy : If you do not show up for your scheduled session, and you have not notified us at least 24 hours in advance, you will be required to pay the full cost of the session.
New Clients: Please complete the following required forms and bring them to your first counseling session. These apply to children, adolescents and adults unless otherwise specified.
RECCO S. RICHARDSON CONSULTING, Inc. 