Phillip Whitely

FEES AND INSURANCE

Rates:

  • Phone consultation: Free – I welcome and encourage you to call me to discuss what your hopes are for therapy and to set up an initial intake session.

  • Initial intake session: $50 per 50 minute session – this allows us to meet and determine if I am the best fit for your needs at this time.

  • Individual sessions: $200 per 50 minute session.

  • Couples session: $250 per 50 minute session.

  • I offer a limited number of sliding scale appointments for people who might not be able to afford my full fee. Please feel free to ask me about this if you feel you qualify.

 

Payment:

For all of my clients, I charge the full amount of the session at the end of each session. If you have insurance, I am happy to submit payment information to your insurance company for you and they will reimburse you your covered amount. Please see the “Insurance” section below for additional information. Multiple forms of payment are accepted for your convenience. These include personal check, cash, and credit card.

 

Initial Session and Ongoing Sessions:

The connection between the therapist and the client is the foundation for exploration and change. When we first speak, you can tell me your concerns and we can schedule an initial intake session. During the initial intake session, we will go into detail about what brings you into therapy. You can also feel free to ask me questions that are important to you about myself or my practice.

If you decide to proceed with seeing me for therapy, we will schedule our weekly therapy appointment day and time. Sessions are 50 minutes and occur weekly. I am also available to meet virtually using a program called VSee which is a HIPAA compliant video conferencing program much like Skype or FaceTime.

 

Insurance:

While I am currently not on any health insurance panels , I will gladly bill your insurance company or provide you with monthly receipts which you can submit to your insurance company for reimbursement. Some types of insurance such as a PPO or a POS plan will typically pay for mental health services without pre-authorization. Many insurance plans also offer reimbursement of a percentage of the cost of counseling (often 50-70%).

To find out if your insurance will cover my services or to find out how much you can expect to be reimbursed, prior to our consultation or first appointment, please call your insurance company to discuss the specifics of your mental health coverage. Below are some questions you should ask your insurance company regarding an “out of network mental health provider:”

  • What is my deductible and has it been met?

  • How many sessions per year does my health insurance cover?

  • What is the reimbursement amount (usually a percentage of cost) per therapy session?

  • Is prior approval required from my primary care physician?

  • Do I need a certain type of diagnosis in order for my sessions to be covered?

 

Benefits of Self-Pay versus Insurance

I understand that the cost of therapy is an investment. The ability to use insurance benefits for therapy is undoubtedly helpful in decreasing the financial expense of treatment. Yet, there are significant benefits to self-pay. When using insurance, the number of sessions are often limited and will necessitate reports of your progress, requiring your confidential information to be shared. In addition, the clinician must document a mental disorder diagnosis. In contrast, when choosing to self-pay, everything is kept confidential. Please note, absolutely no confidential information will be shared unless requested by you.

 

Cancellation Policy

Please call as soon as possible if you need to cancel your appointment. You are responsible for the cost of the session for cancellations received less than 24 hours before your scheduled appointment.

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