Soul Perch Counseling is an out of network provider, which means we don’t bill insurance directly. We do provide superbills upon request that you can submit to your insurance for out-of-network reimbursement. We have found that many clients prefer the personalized, flexible treatment approach that is not possible through insurance-based models.

If you have out-of-network benefits, you may seek reimbursement from your insurance company if you wish. We do this by providing you with a “superbill”, a detailed, itemized monthly receipt that shows what services you received and the amount you’ve spent. 

The process for claim submission is different for each plan. Please contact your insurance to find out how you can submit superbills (as opposed to single-session claims). You do this by calling the number on the back of your insurance card. 

State insurances, otherwise known as Medicaid/Medicare, do not reimburse for out-of-network behavioral health services.

You are responsible for verifying that you have out-of-network benefits. If you have out-of-network benefits and would like to seek reimbursement for therapy sessions, here is how it works: 

• Let your therapist know you would like to seek out network reimbursement from your insurance company.

• You will pay out of pocket for sessions with the card on file. 

• Soul Perch Counseling will provide you with a superbill. 

• You submit the superbill to your insurance company though their member portal, app, or by mail. 

• The insurance company reviews the claim and, if approved, sends the reimbursement check directly to you based on your out-of-network benefit amount.

Here are some helpful questions to ask your insurance provider:

• Do I have out-of-network benefits for behavioral health on my plan?

• (If yes,) Do I have a deductible?

• (If yes,) What part of that deductible have I met so far (if any)?

• What is my co-pay/co-insurance for out-of-network behavioral health visits?

• How do I submit superbills for reimbursement?

• Are there any limitations, requirements, or restrictions in accessing my plan?

• Am I limited to a dollar amount per year that will be covered?

You can pay for your therapy with Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA). However, you technically are not supposed to use these cards to pay for no-show or late-cancellation fees.

You can generally use your Health Savings Account (HSA) to pay for therapy and counseling services, but there are important stipulations to keep in mind. 

Here's a breakdown of what to keep in mind when using a Health Savings Account:

• Medically Necessary: The therapy or counseling must be for a diagnosed medical condition, including mental health conditions like anxiety, depression, or PTSD. General counseling for stress reduction or personal development typically don’t qualify.

• Qualified Healthcare Provider: The therapist or counselor needs to be a licensed healthcare professional.

• Documentation: You may need a Letter of Medical Necessity (LMN) from your healthcare provider if your HSA administrator requires it. This letter should detail the medical condition and the necessity of the therapy. Keep detailed records of your expenses for potential audits.

• HSA Eligibility Requirements: To open and contribute to an HSA, you generally need to be enrolled in a high-deductible health plan (HDHP) and not have other non-HSA-compatible health insurance.

If you have a health plan through a job, you can put your Flexible Spending Account (FSA) card on file to pay for health care costs, including deductibles, copayments, & coinsurance. This can lower your taxable income. These cards cannot be used for missed appointment fees or late cancellation fees.

How Flexible Spending Accounts work:

A Flexible Spending Account (FSA, also called a “flexible spending arrangement”) is a special account you put money into that you use to pay for certain out-of-pocket health care costs. You don’t pay taxes on this money. This means you’ll save an amount equal to the taxes you would have paid on the money you set aside.

Employers may make contributions to your FSA, but they aren’t required to.

With an FSA, you submit a claim to the FSA (through your employer) with proof of the medical expense and a statement that it hasn't been covered by your plan. Then, you’ll get reimbursed for your costs. Ask your employer about how to use your specific FSA.

To learn more about FSAs, contact your employer for details about your company’s benefits, including how to sign up.

Some churches offer financial assistance for therapy through local leaders. This support is often referred to as Clergy Pay or Bishop Pay. 

Here is how the process typically works

• You speak to your clergy member about your desire to begin therapy.

• If approved, they may cover all or part of your session fees. 

• Soul Perch Counseling can provide documentation or invoices as needed, while maintaining your privacy. 

We have a few slots reserved for sliding scale clients. Please contact us to be placed on our waitlist for one of these sliding scale spots.

For low-cost therapy options, we recommend clients explore Open Path Collective. 

New federal laws help protect people from surprise medical bills with a Good Faith Estimate. This is called the “No Surprises Act”. This act is designed to protect clients from receiving unexpected medical bills. You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.  

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees. 

Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service. 

If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. 

The "Good Faith Estimate” is meant to give an idea of what you'll be charged, prior to beginning services. To estimate your yearly cost for therapy, take the rate you’re paying and multiply it by the number of weeks per year you expect to receive therapy. This will give you a picture of how much you may pay for therapy in a year with us.

For more information about the No Surprises Act, please click here.

Cancellations must be made at least 24 hours in advance.

If you cancel less than 24 hours before the start time of your appointment, you will be charged a late-cancellation fee of $100.

If you do not show up to your appointment, you will be charged the full session fee.

Missed session fees cannot be reimbursed by insurance.