What do you charge?
At BMA Counseling our fees are simple, and straightforward. We don’t make you call us to find out what our fees are for counseling. It doesn’t matter whether the counseling session is for an individual, couple, or family: you pay for our time, not for the number of people in the room.
Will my insurance cover counseling services?
Most insurance companies will include counseling among their covered services. It may be called counseling, or mental health coverage, or they may refer to it as behavioral health, but nearly all policies cover some form of counseling or psychotherapy.
(Most insurance does not cover marriage counseling / couples therapy.)
I am on the panel for a few insurance companies. I am happy to work with those insurance companies whom I believe treat the provider (me) and the insured (you) fairly and reasonably. I am considered “out of network” for all other insurance companies.
If I am out-of-network you will be given a super-bill (a specialized receipt recognized by all insurance companies) that you can file for yourself.
I am currently in-network (on the panel of) the following insurance companies:
- Blue Cross Blue Shield (BCBS) of Oklahoma
- United Behavioral Health
To determine if your insurance will cover counseling, you will need to check with your insurance carrier. Check your coverage carefully and find the answers to the following questions:
- What are my mental health benefits?
- What is the coverage amount per therapy session?
- What is my deductible? And has it been met?
- How many therapy sessions does my plan cover?
- How much does my insurance pay for an out-of-network provider?
- Is approval required from my primary care physician?
Confirming insurance benefits before the first session is the responsibility of the client. You will need to provide your insurance card to BMA Counseling before your first session. After the session, we will bill your insurance company. The initial session is billed at a slightly higher rate (see below).
Why should I pay cash instead of using my insurance?
Some people will choose to pay cash even though I am on their insurance panel.
Health insurance companies use a “medical model” which means I have to diagnose you; not everyone wants a diagnostic label applied to them. The diagnosis may follow you long after the problem has gone away.
Plus, there is the issue of privacy. Insurance companies are bound by law to offer a certain level of privacy but the larger the system, the greater the opportunity for mistakes.
Finally, for most people it really doesn’t matter. With high copays and even higher deductibles many people will have finished counseling before they have met their out-of-pocket requirements.
So, what do you charge?
It’s pretty straightforward. You have two options of to choose from: 50 minutes (the traditional “50 minute hour”) or 110 minutes. And, you can meet with us in-person at the BMA Counseling offices or by telehealth (any device with a web browser and camera).
- This is the length of a traditional counseling session
- Ideally suited for working with nearly all types of problems
- Great for those willing to work at a steady pace to find solutions
- Ideal for a regular weekly standing appointment (same day of the week, same time)
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- Two sessions at once!
- Ideal for people who live out of town
- Jump starts the counseling process
- Perfect for those in crisis who need immediate relief and direction
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The first counseling session cost a little more: $170 for a 50 minute session and $310 for a 110 minute session. These one-time fees allow BMA Counseling to complete paperwork and diagnostic assessments required by insurance companies. These fees may be waived if you are paying cash and have no plans to file out-of-network.
Reports and Assessments of any kind – and all Forensic work (including court-ordered therapy) – will be billed at $170 per 50 minute session. Account must be up to date (paid in full) before a report is released or therapist travel occurs.