We are able to accept most insurance plans including the following:
Please contact our practice for more information to verify your therapist can acceptance of your insurance.
If you do not have insurance or do not wish to use your insurance for services, we also accept self-paying clients. Please see our Fees page for more information or call our office at 269-588-1441, Press 3.
Frequently Asked Questions about Insurance Coverage
What types of payment do you accept?
Fees can be paid by credit card, Health Savings Accounts, cash, or check.
What does my insurance policy cover?
You are responsible for knowing whether your insurance plan covers behavioral health services. Our admin staff will check your benefits before your appointment, as a courtesy and will email you a cost estimate for services. This cost estimate is only an estimate of what your insurance reports to us, that you owe for services, on the day we do the benefits check. It is not a guarentee of cost for services and your insurance plan may determine after we bill that the cost is different than the estimate.
You will still want to be aware of what is covered by your plan by calling the customer service number on the back of your card. Here are the things you want to ask when you call:
Are behavioral health services covered?
What are my behavioral health costs for an office visit with Intentional Journey Counseling Services?
Do I have a deductible for behavioral health services?
Do I have a co-pay or co-insurance for behavioral health services?
If you have a deductible you will be responsible for the full rate that your insurance deteremines is owed, until your deductible is met. For example if your deductible is $1000 you are responsible for the first $1000 in service fees before your insurance will start to pay out it's portion for services.
Co-pay vs. Co-insurance?
A co-pay is a fixed out-of-pocket amount that you pay for services. For example, you may have a $25 co-pay for each session. You are responsible for paying only that amount when you arrive for your session, if you have a co-payment with your insurance benefits.
A co-insurance is a percentage of the full contracted fee, that you are responsible to pay for services. For example, you may have a co-insurance that is 20% of the cost of services and insurance will pay 80% for services. If insurance rate is $125.50 for a session, for example, you would then be responsible to pay $25.10 per session.
If you have further questions about insurance coverage or need help figuring out what your cost for services may be, don't hesitate to give us a call at 269-588-1441 and we can walk you through it.
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