FAQs

I can still help. Some insurance companies consider Divine Therapy an out-of-network provider and may cover a portion of the costs. When using out-of-network benefits, you are required to pay in full for each session at the time of service, and your carrier will reimburse you directly after processing the claim. I can bill the insurance company for you. This means no paperwork for you to keep track of. Please consult with your insurance provider if you are considering reimbursement – I cannot make any guarantees on behalf of your insurance carrier, and be aware, they usually do not reimburse the full fee.

Even if I am not in network with your insurance plan, you may be able to use your HSA flexible spending dollars or medical saving account to pay for services.

Privacy and autonomy are the leading reasons why people choose not to use their insurance benefits and instead choose to pay out-of-pocket. In order to bill insurance you will need to be given a diagnosis and working towards treatment goals that reflect this diagnosis in your therapy sessions. For some, especially those with relational concerns such as families or couples, they do not meet criteria for a diagnosis and instead want to focus on relationship goals such as communication, healing from an affair, dealing with pornography use, or other intimate subjects that are not always covered by insurance. In fact, most insurance plans do not cover couples therapy or family therapy or strictly limit the number of sessions you can attend. Even in individual therapy, many choose to use private pay to avoid limitations from insurance on the number of sessions or the frequency of sessions. Others are concerned about their privacy and do not want a diagnosis on their medical record. With the changing landscape of insurance and the concern many people have of having difficulty finding affordable insurance coverage with a pre-existing condition including many common diagnoses billed in counseling sessions (Depression and Postpartum Depression, PTSD, Anxiety, etc.) it is seen by some as a safer choice to keep insurance companies out of their mental health visits. Insurance companies will often limit the number of visits you can have, and, as a private paying customer, there are no limits on the number of visits you can receive. In addition, you will be able to stay with your therapist, even if your insurance plan changes.
Even if I am not in network with your insurance plan, you may be able to use your HSA flexible spending dollars or medical saving account to pay for services.

You will have complete confidentiality. Your record will not be shared with anyone without your permission. In fact, no one else will know you are in therapy unless you tell them. But there are 3 caveats. 1) Threatening to harm yourself or someone else. 2) Being suspected of child or elder abuse. 3) Insurance companies require some information from me when I bill for your services. I am required to provide a clinical diagnosis as well as additional clinical information such as treatment plans or summaries. In such cases, I will make every effort to release only the minimum information about you that is necessary for the purpose requested.

Individual sessions usually last about 50 minutes. I recommend weekly sessions. Between sessions, I encourage you to think about and process what was discussed. At times, you may be asked to do something specific outside of therapy sessions, such as reading a relevant book or keeping records. For therapy to “work” you must be an active participant, both during and between the therapy sessions.

Attending therapy for the first time can be anxiety-provoking. I understand that anxiety and avoidance are a natural part of the process. So if your feet are cold, you may give me a call or email. If you decide you’re not ready, I just ask that you please be respectful of my schedule by letting me know a minimum of 24 hours in advance.