Rates and Insurances
At Florecer Family Counseling
Rates for Counseling​
​
Out-of-pocket fees are between $140 and $300 for weekly sessions, depending on licensure, experience, type of service, and the length of the therapy.
When using insurance, your co-payment may be as low as $0 depending on your in-network insurance coverage.
Insurances Accepted by Florecer Family Counseling
​
At Florecer Family Counseling, we are insurance-friendly and accept the following HMO
commercial insurances:
-
Aetna
-
Cigna
-
UnitedHealthcare
-
UMR
-
Optum
-
Meritain
*We are currently in the process of joining Medi-Cal.
​
**Unfortunately, we are not enrolled with Medicare.
​​​
​PPO and Out-of-Network
​
Florecer Family Counseling is out-of-network with Anthem Blue Cross Blue Shield PPO plans. The good news? If you have a PPO plan, you may be eligible for partial reimbursement for the therapy sessions you pay for out of pocket — meaning quality, personalized care can be more affordable than you think.
​
Many clients are surprised to learn how much their insurance will reimburse once they check their out-of-network benefits. We recommend contacting your insurance provider before your first appointment to ask about your OON coverage.
​
As a courtesy, Florecer Family Counseling provides insurance benefits verification and claim submission — we verify your benefits and submit your claims for you, helping you reach your deductible sooner and get reimbursed faster, with less paperwork on your end. Simply complete the form below to get started.
Payment for Counseling​
​
A valid form of payment is required at the time of scheduling to secure your appointment. If you plan to pay by cash or Zelle, a credit or debit card is still required on file as a backup. For your convenience, we accept:
​
-
Cash
-
Zelle (your therapist will provide the Zelle account details)
-
Health Savings Account (HSA) cards
-
All major credit cards
​​​
Good Faith Estimate
When paying out of pocket, we provide our clients a “Good Faith Estimate” explaining how much your mental health care will cost. Under the law, healthcare providers must give patients who don’t have insurance or are not using insurance an estimate of the expected charges for medical services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services. You can ask your healthcare provider and any other provider you choose for a Good Faith Estimate before you schedule a service.
Questions to Ask Your Insurance Company for PPO Insurance.
​
-
Does my health insurance plan include mental health benefits?
-
Do I have a deductible? If so, what is the amount $_______
-
have I met my deductible?
-
Do I have an out-of-pocket maximum?
-
Does my plan limit how many sessions per calendar year I can have? If so, what is the limit (e.g. 12 sessions)?
-
Do I need written approval for services to be covered (i.e. pre-authorization)?
-
What is the reimbursement rate for an out-of-network provider for mental health (if necessary, give them the CPT code 90871, 90837) e.g. 50%, 60%, or 70 %).
-
Is there a maximum of this reimbursement rate?
-
Does my plan cover teletherapy (online therapy) services?
​
​