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    Rates & Insurance

    For Therapy:

    -$200+ for 50-60 minute Psychotherapy/Brainspotting Session

    For LENS:

    -$125+ for LENS Sessions

    For Overall Wellness/Mental Health Professionals Alabama and Nevada:

    These Professionals include, but are not limited to:

    -Psychologists

    -Pre/Licensed Mental Health Workers (LPC, LMFT, LCSW, etc.)

    -Nurse Practitioners

    -Psychiatrists

    -Senior Psychological Examiner/Health Service Providers

    -Dietitians/ Nutritionists

    -Family Lawyers

    -Masseuses’

    -LENS Technicians

    -Life/Family/Health Coaches

    **********Please contact for details and pricing.

    Mental Health Tools and Techniques:

    $30-Kiddos $35-Adults The URB (The Ultimate Relaxation Bag)

    $27-$33 Per eBook

    ***Individual/Couple/Family Therapy Morning/Afternoon Intensives: Contact for details and pricing.

    -(2-4 sessions total, 1.5-3hrs worth of therapy)

    REASONS I AM HESITANT TO ACCEPT INSURANCE

    ●     Reduced Ability to Choose: Most health care plans today (insurance, PPO, HMO, etc.) offer little coverage and/or reimbursement for mental health services. Most HMOs and PPOs require “preauthorization” before you can receive services. This means you must call the company and justify why you are seeking therapeutic services in order for you to receive reimbursement. The insurance representative, who may or may not be a mental health professional, will decide whether services will be allowed. If authorization is given, you are often restricted to seeing the providers on the insurance company’s list. Reimbursement is reduced if you choose someone who is not on the contracted list; consequently, your choice of providers is often significantly restricted.

    ●     Pre-Authorization and Reduced Confidentiality: Insurance typically authorizes several therapy sessions at a time. When these sessions are finished, your therapist must justify the need for continued services. Sometimes additional sessions are not authorized, leading to an end of the therapeutic relationship even if therapeutic goals are not completely met. Your insurance company may require additional clinical information that is confidential in order to approve or justify a continuation of services. Confidentiality cannot be assured or guaranteed when an insurance company requires information to approve continued services. Even if the therapist justifies the need for ongoing services, your insurance company may decline services. Your insurance company dictates if treatment will or will not be covered. Note: Personal information might be added to national medical information data banks regarding treatment.

    ●     Negative Impacts of a Psychiatric Diagnosis: Insurance companies require clinicians to give a mental health diagnosis (i.e., “major depression” or “obsessive-compulsive disorder”) for reimbursement. Psychiatric diagnoses may negatively impact you in the following ways:

    1.    Denial of insurance when applying for disability or life insurance;

    2.    Company (mis)control of information when claims are processed;

    3.    Loss of confidentiality due to the increased number of persons handling claims;

    4.    Loss of employment and/or repercussions of a diagnosis in situations where you may be required to reveal a mental health disorder diagnosis on your record. This includes but is not limited to: applying for a job, financial aid, and/or concealed weapons permits.

    5.    A psychiatric diagnosis can be brought into a court case (ie: divorce court, family law, criminal, etc.). 

    It is also important to note that some psychiatric diagnoses are not eligible for reimbursement. This is often true for marriage/couples therapy.

    I do bill for these Optum and Aetna Plans only, if you have insurance. I can send you a link to complete your insurance information to check eligibility. 

    UnitedHealthcare 

    Oxford Health Plans 

    Aetna 

    UMR 

    Oscar 

    UHC Student Resources 

    Cigna

    HEALTH INSURANCE ACCEPTANCE THROUGH HELLO ALMA

    YOUR INSURANCE COMPANY: By using insurance, I am required to give a mental health disorder diagnosis that goes in your medical record. The clinical diagnosis is based on your current symptoms even though you may have been previously diagnosed. We will discuss your diagnosis during the session. Your insurance company will know the times and dates of services provided. They may request further information to authorize additional services regarding treatment.

    IMPORTANT: Some psychiatric diagnoses are not eligible for reimbursement (ie: marriage/couples therapy). In the event of non-coverage or denial of payment, you will be responsible to pay for services provided. Michele Ramey of Michele Ramey Therapy (MRTherapy) reserves the right to seek payment of unpaid balances by collection agency or legal recourse after reasonable notice to the client.

    PRE-AUTHORIZATION & REDUCED CONFIDENTIALITY: When visits are authorized, usually only a few sessions are granted at a time. When these sessions are complete, we may need to justify the need for continued service, potentially causing a delay in treatment. If insurance is requesting information for continued services, confidentiality cannot be guaranteed. Sometimes, additional sessions are not authorized, leading to an end of the therapeutic relationship even if therapeutic goals are not met. 

    POTENTIAL NEGATIVE IMPACTS OF A DIAGNOSIS: Insurance companies require clinicians to give a mental health diagnosis (i.e., “major depression” or “obsessive-compulsive disorder”) for reimbursement. Psychiatric diagnoses may negatively impact you in the following ways:

    1. Denial of insurance when applying for disability or life insurance;

    2. Company (mis)control of information when claims are processed;

    3. Loss of confidentiality due to the increased number of persons handling claims;

    4. Loss of employment and/or repercussions of a diagnosis in situations where you may be required to reveal a mental health disorder diagnosis on your record. This includes but is not limited to: applying for a job, financial aid, and/or concealed weapons permits.

    5. A psychiatric diagnosis can be brought into a court case (ie: divorce court, family law, criminal, etc.).

    It is important that you’re an informed consumer. This allows you to take charge regarding your health and medical record. At times, having a diagnosis can be helpful (ie: child needing extra services in the school system or a person being able to receive disability).

    APPOINTMENTS AND POLICIES: 

    Consistency Policy: 

    Engaging in mental health therapeutic services is an investment in your total well-being and is most effective and life-changing with consistency and commitment. Your therapeutic hour is held exclusively for them, and to maintain therapeutic consistency sessions can be rescheduled per this office’s same-week reschedule policy. You may reschedule your session within the same 4-day business week (Sunday through Wednesday). For example, if the session is on Tuesday you can reschedule between Wednesday of the same week. A reschedule request must be made 24 hours in advance within the Sunday- Wednesday time frame. Reschedule requests must be in writing by either text or email. This office is closed Thursday-Saturday, voicemails, emails, and text messages may not be checked until the following Sunday. Thus, reschedule requests must be made between Sunday- Wednesday. For example, a Sunday’s session reschedule request must be made on or before the previous Wednesday. There will be every attempt to find an appointment time to accommodate your reschedule request, but it cannot guarantee that space is available for your requested reschedule. Without the 24 hours in advance written reschedule request and new appointment time you will be responsible for the full session fee. Your card on file will be charged on the same business day of your missed session. Failure to arrive on time to a session means you will still be charged for the full session fee regardless of your arrival time to the session. Keep in mind this office is not responsible to remind the client of the consistency policy before charging for missed sessions or no-shows. 

    Session Cancellation Waiver: 

    You will receive two waiver cancellations per year free of charge of no show or cancelation no reschedule fees. You may use these at any time. If the clinician must cancel a session with you: you will not be charged. If you find that you need an extended break from therapy due to unplanned circumstances or other situations that arise it will be discussed on an individual basis at the clinician’s discretion. If your break is longer than 2 weeks, they will have the option to be removed from the schedule and reschedule the week of your return.

    Payment: The fee for each therapy session is $200+. Written notice from Client is required to end subscription service. Payment is due at the time of service. Acceptable forms of payment are credit/debit card, which has a $6-10 processing fee. Exact-amount cash or check (insufficient-funds checks will be returned upon full payment of the original amount plus $25 for any returned check) are permitted if mailed and received prior to the appointment. Some HSA credit cards are accepted. If your card is denied be prepared to have alternative payment available otherwise you will be charged for the full session as it will be accounted for a late cancellation appointment within 24 hours due to insufficient payment. In the event that a scheduled appointment time is missed or cancelled less than 24 hours, please refer to the “Appointments and Cancellations” policy above 

    Any Other Questions

    Please contact me for any additional questions you may have. I look forward to hearing from you!