What are our fees? Please feel free to discuss our fees via email email@example.com or when you are making your first appointment. When you are covered by a health insurance you are responsible for the co-payments, co-insurance, and deductibles related to your specific plan. Your insurance company may cover a percentage of the charges for psychotherapy services and then you are responsible for the remainder. Insurance deductibles, co-payments,and co-insurance vary by policy and are determined by your insurance company. Our practice is not involved with these amounts. All payments are due at time of your appointment unless previous arrangements were made with the therapist. We accept cash, check or credit cards. Absolutely no post-dated checks will be accepted.
Are the services covered by health insurance? Our counseling services are covered by most types of insurance under outpatient mental health treatment or your behavioral health benefits. To be certain, please check your mental health benefits or contact your insurer regarding deductibles, co-payments, pre-certification/pre-authorization requirements and to verify if they cover the type of counseling you are seeking.
We accept the following insurance plans
What are the office hours? We try to accommodate your schedule by offering some evening hours and weekend hours in addition to normal business hours. Sessions are by appointment only. At this time no phone nor internet sessions are provided.
What if I Self-pay or have a Liability Case? You will be considered “self-pay” if you do not have insurance coverage, your insurance plan does not participate with this office, or if we do not have your valid insurance card on file with us. In other words, you will be responsible for the entire bill. Also, if the information we have for you is not acceptable to your insurance company, and you fail to update that information, you will be considered self-pay. Liability cases will also be considered self-pay accounts. We do NOT accept attorney letters or contingency arrangements. Self-pay patients will be required to bring pay for each session at the beginning of that session. Please speak directly with the therapist to reach a mutually agreeable payment plan. It is never our intent to cause hardship for our patients, only to provide them with the best care possible.
What if I miss an appointment? We require 24-hour notice of appointment cancellation. Appointments missed and that are not canceled or rescheduled at least 24 hours in advance will be charged a fee of $25. If you miss three or more appointments without canceling or rescheduling at least 24 hours in advance, you may be dismissed from by the therapist.
What if I have Medicare or Mo HealthNet? With medicare only you will be responsible for the full cost of any service provided to you. This is the same for adults with ‘straight’ Medicaid (MOHealth Net) only. Licensed Professional Counselors (LPCs) CANNOT bill Medicaid or Medicare for psychotherapy provided to adults. Ms. Scarlett-Lloyd does not participate in the Medicare program. She CANNOT enter into any agreement to provide Medicare-covered services. This is a federal restriction (forbidden by the current US laws). In order to schedule an appointment with with our office you are required to enter into a self-pay agreement for individual services and pay the entire charge ($60.00 fee MINIMUM) at the time of each appointment. Therefore, when we are contacted by adults who has straight Medicaid or Medicare they are offered services as self-pay.