FREE COUNSELING may available through your employer-sponsored Employee Assistance Program.

What are our fees? Please email to discuss our fees or inquire 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 does not waive or discount these charges. All payments are due at time of your appointment unless previous arrangements were made with the therapist. We accept cash, checks, HRA, HSA, and FSA cards, credit cards, PayPal, and CashApp. 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, and pre-authorization requirements and to verify if they cover the type of counseling you are seeking.

We accept the following insurance plans
Aetna Health Plans
American Behavioral
Assurant Health
KEPRO (APS HealthCare)
Anthem Blue Cross Blue Shield
Federal Employee Program)
Evernorth Behavioral Health
Health Cost Solutions
Humana Behavioral Health
Magellan Health Services
Mercy Managed Behavioral Health
Meritain Health
Missouri Consolidated Health Care
Optum Behavioral Health Solutions
UMR – United Medical Resources
Beacon Health Options (Value Options)
United Healthcare Student Resources
If your health plan is not listed above contact our office or follow the “Find a Doctor” links on your plan’s member page.
The terms used in describing your healthcare coverage and benefits may be confusing. Here are some basic Coverage Terminology Explained.
With the implementation of the Affordable Care Act (“Obama-care”) it is not necessary to always be approved to receive Routine Mental Health Treatment services. However, when necessary, our office will pre-certify and go over which benefits you have, the number of sessions you are allowed and the types of services that are covered by your insurance (eg individual and/or family therapy services). However, we strongly encourage you to contact your health plan to verify plan participation status.

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. Scheduling

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 ($80.00 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.

~Living each day with intention can energize and fulfill us and enhance the lives of those around us.~
~You can determine if the life you are living today is the life you want or if it’s one based on old ways of thinking and feeling. ~
~Making peace with your past and living in the present frees you to create the future you desire for yourself. ~
Intentional Alternatives ≈ 11650 New Halls Ferry Rd ≈ Florissant MO 63033 ≈ p(314)656-6293 ≈ f(314)584-2171
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