At Stone Counseling & Consulting Services, we accept several major insurance plans, including:

• Aetna (In-Network)

• Lyra Health (In-Network)

• Modern Health (In-Network)

 

For clients with other insurance providers, we are considered Out-of-Network. Our practice is no longer in-network with Cigna/Evernorth as of 5/12/2022. New clients wishing to use Cigna/Evernorth insurance will be considered self-pay.

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Out of Network Coverage & SuperBill Information

If you have an Out-of-Network insurance plan, you may still be able to receive reimbursement for therapy services. You will pay for your counseling sessions upfront and request reimbursement from your insurance provider using a Super Bill. A Super Bill is a specialized receipt containing all the necessary information that your insurance company needs to process your reimbursement or apply your payments to your deductible.

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Please note: Reimbursement is not guaranteed, as each insurance company’s policies differ, and not all will reimburse you for the full cost of services provided.

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Questions To Ask Your Insurance Provider Prior To Beginning Counseling

Before beginning therapy with an Out-of-Network provider, here are some important questions to ask your insurance company:

1. Do I have Out-of-Network mental health benefits?

2. What is my Out-of-Network deductible, and has it been met?

3. Does my plan require pre-approval for mental health services?

4. Are there limits on the number of Out-of-Network therapy sessions covered per year?

5. How much will my plan reimburse for therapy with an Out-of-Network provider?

6. What steps do I need to take to receive reimbursement for therapy?

 

Benefits of Forgoing Insurance and Paying Privately

Choosing to pay privately without using insurance has several key benefits:

• Flexibility in Choosing Your Therapist: With insurance, providers are often limited by location, cost, and network restrictions. By paying privately, you can choose a therapist that is the best fit for your needs.

• Control Over Your Therapy: Insurance companies may impose limits on your treatment type, session frequency, and the duration of your care. Paying privately gives you control over your therapeutic process without insurance interference.

• Confidentiality: Insurance companies often require sharing your personal and medical information to process claims, including details like diagnoses and treatment plans. By paying privately, you can maintain full control over your confidentiality and avoid the risk of sensitive information being shared with third parties.