Insurance & Rates
We know that understanding insurance and costs can be confusing. Our goal is to make it as simple and transparent as possible so you can focus on your care. Below you’ll find information about accepted insurance, private pay options, and what to expect before your first session.
Insurance We Accept
We are currently in-network with:
Blue Cross Blue Shield (BCBS) — commercial plans
Aetna — commercial plans
Self-Pay Rates
For clients choosing to self-pay or who are using out-of-network benefits:
Initial Intake: $200
Ongoing Therapy Sessions: $190 per session
Advanced Clinicians: $225 for intake and $200 for follow-up sessions
Sessions are available in-person or via telehealth (in North Carolina only) depending on your preferences and your therapist’s availability.
What to Expect With Insurance
We encourage all clients to reach out to their insurance provider before starting services to learn more about their mental health benefits. Understanding what your plan covers, such as session costs, deductibles, or copays helps you feel informed and avoid any unexpected bills.
When you call your insurance provider, consider asking the following:
Is outpatient psychotherapy (CPT 90791, 90834, 90837) covered in-network with L & B Counseling?
What is my copay or coinsurance for mental health visits?
How much of my deductible is remaining?
At each session, payment for your portion (copay, coinsurance, or deductible) will be due. After your insurance processes the claim, any remaining balance or credit will appear in your client portal.
Out-of-Network & Superbills
If we are out-of-network with your insurance plan, you can self-pay for sessions and request a monthly superbill to submit to your insurance provider for potential reimbursement, depending on your plan’s out-of-network benefits.
Superbills are generated monthly. When a new document is available, our electronic health record system, SimplePractice will send an email notification, and you can view or download your Superbill directly through your client portal. If you have questions about submitting Superbills or how reimbursement works, we recommend reaching out to your insurance provider for guidance on their out-of-network process.
HSA/FSA & Payment Options
We accept major credit and debit cards, as well as Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). A secondary card must also be kept on file to ensure payment can be processed if there are issues with your primary card or HSA/FSA account.
Good Faith Estimate (No Surprises Act)
If you are uninsured or not using insurance, you have the right to receive a Good Faith Estimate (GFE) of expected costs before you receive services.
The GFE provides a clear estimate of therapy costs based on your planned services.
If your final bill is $400 or more above the estimate, you may dispute the charge through the federal patient-provider dispute process.
Learn more on the Centers for Medicare & Medicaid Services (CMS) website: CMS No Surprises Act Overview
Cancellation Policy
Intake Appointments
You may cancel your intake appointment within 24 hours of scheduling or at least 48 hours before your appointmentat no charge. Cancellations made less than 48 hours before your scheduled intake will incur a $100 late cancellation fee, which will be charged to the credit card on file.
Ongoing Appointments
If you are unable to attend your session, please cancel or reschedule at least 48 hours in advance.
The first late cancellation (less than 48 hours) will result in a $75 late cancel fee.
Subsequent late cancellations or no-shows will be charged the full session fee, billed to your card on file.
Because your session time is reserved specifically for you, this policy allows us to provide consistent and timely care to all clients. If you arrive late, the session will still end at the scheduled time. Appointments are considered a no-show after 15 minutes past the start time.
After two missed appointments or repeated cancellations, your therapist may discuss whether continued scheduling is appropriate or if services should be paused or terminated.
Need Help?
If you have any questions, please contact us at hello@landbcounseling.net