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Woman Being Free

Fees & Insurance Policy

Fees for professional services

Our fees range from $100 to $280 per hour, depending upon the therapist and the type of service provided.  For marriage and relationship counseling, Dr. Canfield's fee is $280 per hour.  ($420 for an initial 90 minute consultation session).

We maintain a "direct pay" practice and full payment for professional services is required at the time of each office visit (cash, personal check, and major credit cards are accepted)  Although insurance is not accepted in lieu of full payment, upon request we can provide a "summary statement of services" which you may submit to your insurance provider for possible direct insurance reimbursement to you (please carefully read the insurance reimbursement advisory below

Estimating the cost of counseling
In estimating the overall cost of counseling, it is important to consider not only the hourly fee of the therapist, but the estimated length of the counseling process (anticipated total number of sessions). Although some forms of counseling and psychotherapy involve a lengthy course of treatment - requiring years of treatment - we believe that counseling, in most cases, should be a relatively "short-term" process.   Current clinical research on the outcome effectiveness of various approaches to counseling and therapy indicate that, for most client concerns, the systemic/cognitive-behavioral therapy models we utilize are often more effective than longer-term approaches - but at a significantly lower overall cost.

Although each client is unique and multiple factors must be considered.  Some clients may only require a single consultation session, while the needs of other clients may require a longer period of work.  Based on your particular needs and circumstances, the anticipated length and overall estimated cost of counseling can be discussed during the initial consultation session.

Insurance Reimbursement Advisory

In order to receive reimbursement from your health insurance company as an "in-network"  or "out-of-network" patient, you must be diagnosed and labeled with a mental disorder.  This diagnostic label will become part of your medical file and retained in your insurance company's data base.  This label may affect future insurance premiums as well as eligibility for some jobs.  

We believe that the vast majority of relationship and life adjustment issues for which people seek help do not warrant a mental disorder diagnostic label.  This consideration underlies our decision to operate as a "direct pay" practice to ensure the highest level of privacy and confidentiality.  As such, our client records are retained internally and are not entered into any external data base.

In addition to our specialized work with couples and relationship concerns, we provide out-patient therapy services for individuals and families on a wide-range of mental health and life adjustment issues - including the treatment of symptoms of depression, anxiety, alchohol and substance abuse and recovery, and other diagnosed psychological and psychiatric disorders.  Treatment formats include both in-office sessions and online eCounseling - using a secured synchronous video platform.

Estimating the cost of counseling
In estimating the overall cost of counseling, it is important to consider not only the hourly fee of the therapist, but the estimated total number of sessions anticipated to bring about desired change.  Although some forms for counseling and psychotherapy involve a lengthy course of treatment - sometimes taking years, we believe that counseling should be a relatively short-term process.  Current clinical outcome research on the effectiveness of various approaches to counseling and psychotherapy indicate that, for most concerns, the systemic/cognitive-behavioral approach we utilize is often more effective than longer-term approaches, but at a significantly lower overall cost.  Since much of the change will occur between sessions, we have found that for most couples, two sessions per month are adequate to bring about desired changes.

Each couple and each person is unique and multiple factors are considered and discussed when recommending a specific course of counseling.  Some clients may only require a single consultation session - while some clients benefit from additional follow-up sessions over a period of several week or . Based on your particular needs and unique circumstnaces, the anticipated length of counseling can be discussed at the initial session.

Insurance Policy 
As a "private pay" practice, we do not accept insurance in lieu of full payment for services at the time of each office visit (unless otherwise noted).  However, many of our clients file a claim with their insurance provider for direct reimbursement or partial reimbursement for counseling services. Since marital and relationship problems are rarely the result of a mental disorder warranting a psychiatric diagnosis, insurance companies vary regarding their level of coverage for counseling services.  Upon request, we will be glad to provide an itemized statement of services for you to file with your insurer.  In considering reimbursement for services, you may wish to consult with your insurance provider and ask the following questions:

  • Do I have mental health insurance benefits which cover counseling by a licensed mental health counselor or licensed marriage and family therapist?
  • Does my insurance benefit provide reimbursement for marriage counseling, family therapy, or relationship therapy?
  • What is my deductible and has it been met?
  • How many sessions per year does my insurance cover?
  • Is referral required from my primary care physician?  


Considerations of "private pay" vs "third-party provider" insurance payment of services
Our decision to offer "private pay" services, rather than accept direct pay from "third-party insurance" is base on several factors.  

As a "private pay" provider, we work directly with our clients.  This allows us to avoid "middle man" administrative costs associated with insurance and manage care companies.  As such, we are able to reduce our operating overhead and offer the highest quality professional services at a cost lower than would otherwise be possible.  However, our decision to operate as a "private pay" provider goes beyond cost considerations.

Insurance companies vary greatly in their extent of coverage for "marriage or relationship counseling." Almost all insurance companies require assignment of a psychiatric "diagnosis" on one or both spouses to justify payment for "therapy." We believe this is wrong.  The vast majority of maritial problems do not stem from a diagnosed psychiatric disorder, but rather from differences in relationship expectations, differences in family backgrounds and extended family relationships, problems in living, unacceptable behavior on the part of a spouse, or lack of relationship satisfaction.

Additionally, as a "direct pay" provider, we are under no obligation to disclose any information to any third party (something rountinely required by insurance providers.)  This level of confidentiality is particularly important to individuals and couples who hold sensitive or "high-profile" roles (such as, medical professionals, attorneys, law enforcement personnel, military officers, aviation professionals, etc.)


 

 

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