Butterfly Kisses Family Support Services, LLC

Inspiring and Igniting change

Costs: Insurance and Private Pay

Kristen is an in-network provider for Blue Cross/Blue Shield, Aetna, MHNet/Coventry, Cigna, and Midlands Choice 

Many clients enjoy not utilizing their insurance benefits or wish to go "out of network." If you have insurance and would like to utilize your benefits, first determine if you have out-of-network benefits. For those of you who do not speak ?insurance? ? if you have out-of-network benefits, you can see any provider you want, but you often have to pay a deductible and a percentage of the fee. We will work with you to make this affordable, so don?t pass up the option of being able to work with whomever you prefer. If you have questions about this, please feel free to contact us via email or telephone.

Services may be covered in full or in part by your health insurance or employee benefit plan. Please check your coverage carefully by asking the following questions:

  • Do I have mental health insurance benefits?
  • Does my health insurance allow out-of-network providers?
  • What portion of my counseling sessions will be covered? 
  • What is my deductible and has it been met?
  • How many sessions per year does my health insurance cover?
  • Is the amount of coverage different for out-of-network providers?
  • What is the coverage amount per therapy session?

Additional Benefits from Paying Out-of-Pocket for Counseling
Although utilizing your insurance benefits can be cost-effective, also consider that insurance companies generally require a counselor to assign a diagnosis to you in order to justify paying for counseling sessions. Your level of confidentiality is, to a degree, compromised. Your information is filtered through the system that processes your claim; all those involved in that process have access to the mental health diagnosis your counselor assigned to your claim. Paying for your sessions out of your own funds may be a choice that you prefer if you have concerns about your confidentiality. 

 

So...What are the costs

Therapy Sessions

If I am in-network for you- you should only owe the copay, coinsurance and/or deductible according to your insurance plan. I can help you figure this out or you can call your network directly. If you would like to do private pay please contact me at [email protected] or 402-577-0773