What to consider when paying for therapy services….

Therapy services are an investment into your overall health and well being. There are some very important things to consider regarding payment for your services and whether it is in your best interest to be a self pay client or to use your insurance benefits. Ask us more about these important considerations:

• Insurance companies REQUIRE a diagnosis to be provided when services are billed. That diagnosis will then become part of your medical record and therefore you loose some of the privacy and confidentiality that a self pay client will not . The diagnosis can also be considered a pre-existing condition and is part of your medical record.
• Insurance companies require your work in therapy to be deemed medically necessary and can at anytime stop paying for services not deemed as such. If additionally information is required by the insurance company to deem the service medically necessary we would need to release more confidential information to them in order to get your services covered, and they can still deny payment.
• Insurance can limit the number of sessions you are allowed to have with your therapist and require paperwork to be completed for authorizations. Some insurance policies allow for 6-12 sessions, which may not too limited to obtain the care you desire.
• A quote of benefits is provided by insurance companies however it is not a guarantee of payment for services, so you may accrue unexpected costs once the claim is processed.
• Companies and businesses change the insurance carriers utilized and this might result in your provider no longer being in-network. This too means you accrue unexpected costs to maintain the relationship with your therapist who is now out of network or you have to begin the therapy process with a new provider creating a disruption of continuous care.

We cannot advise you as to what decision is best for you. We provide this information simply as a way for you to be informed of what might be involved in that decision. If you chose to use your insurance benefits, we will provide only what is required by an insurance company to meet the terms of your policy and plan. Unfortunately, we can make no assurances regarding what happens to that information once it leaves our office. If so have additional questions regarding the use of insurance please let us know.

Insurance

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?
•  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?
•  Is approval required from my primary care physician?

We are an in-network provider for Blue Cross Blue Shield PPO plans and Aetna. 

 All other insurance plans will be out of network.

Please ask about our package discounts for self pay clients!

2025 Fee Notice

Charlotte Therapy Associates, PLLC has worked hard to navigate supporting our community and clients without increasing fees for the last two years. We are sending notice of a nominal fee increase for each of our clinical services. Effective 1/1/25 our fees will be increasing to the following fee schedule for all therapists:

2025 Fee Schedule:

Initial Intake: $185 per hour

Individual therapy: $155 per hour

Couples and family therapy: $170 per hour

ADHD evaluation: $225 per hour

We are here to process any of these changes as needed. Current clients will receive an updated fee agreement via your client portal in the next 30 days and fees will not take effect until 1/1/25.

Good Faith Estimate Guarantee

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.
• Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 704-705-4550.

Payment

Cash, check, Visa or Master card are accepted. Our out of pocket rate will vary based on your insurance policy. Please contact us for specific rate information. Please ask about out package rates.

Cancellation Policy

If you do not show up for your scheduled therapy appointment, and you have not notified us at least 24 hours in advance, you will be required to pay the full cost of the session .

Schedule Online

Request a therapy appointment online here.

Contact

Questions? Please contact us for further information.