Cash Pricing & Insurance Information

CASH PAY COST:
 

Initial Appointment: $200 (60 minutes)

Individual sessions: $135 (53 minutes)

Family sessions: $150 (53 minutes)

ACCEPTED INSURANCES:

Aetna/ Blue Cross Blue Shield (Regence)/ EMI / PEHP/ Select Health / Cigna/ United/ University of Utah: Healthy Preferred & Healthy Premier plans.
 

-EMPLOYEE ASSISTANCE PROGRAM-

Aetna EAP/ Anthem EAP/ Cigna EAP/ Regence EAP

 Don’t have insurance? We also accept: 

 Bishop Pay

 Cash Pay 

 Victims Crimes

   ** Please note we DO NOT accept Medicaid through any insurance provider**

GENERAL INSURANCE GUIDELINES

Payments or copayments must be made at the time of service with check, cash, or credit card.  In-network insurance reimbursements will be credited to your account. Please note that in-network providers often contract with other insurance companies for behavioral health, so as a client it is your responsibility to ensure that LHCS and our fully licensed therapists are in-network with their behavioral health insurance provider. In such circumstances where services have been provided and subsequently are found to be out-of-network, or not covered under your insurance plan, clients will be responsible for the total balance due.

Participating with an In-Network Providers Office can greatly affect your costs for services. A participating provider is contracted with an insurance company and agrees to a contracted rate set by insurance guidelines. Provider offices do not control these rates and they can be changed periodically. These rates cannot be edited, changed, or discounted between the individual client and the therapist’s office. 

Not all therapists are covered by all insurances. Please give us a call to verify your therapist will be covered under your insurance. Any portion not covered by insurance is the client's responsibility. Client must provide Lighthouse Counseling Services with insurance information in order for it to be billed to the insurance company. Clients are responsible for knowing their plan, coverage, and deductible policy.

KEY DEFINITIONS:
 

Co-pay: a fixed amount for a covered medical service; defined in an insurance policy and paid by the client each time the medical service is provided.   
 

Co-insurance: The percentage of costs of covered healthcare service you pay after you've paid your deductible. (Example: if your insurance plan's allowed amount for an office visit is $100 and your coinsurance is 20%. If you've paid your deductible: You pay 20% of $100, or $20).
 

Deductible: a specified amount of money that an insured client must pay before the insurance company will pay a claim.
 

Out-of-pocket cost:  expenses for medical care that aren't reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered.

QUESTIONS TO ASK YOUR INSURANCE COMPANY

• Is pre-approval required for mental health services?
• Is there a limit on sessions per year? If so, how many sessions are allowed? 
• Do I have a deductible? If so, how much is it, and has any been met? 
• Do I have an out-of-pocket deductible? If so, how much is it, and has any been met?
• Do I have an out-of-network deductible? If so, how much is it, and has any been met? 
• Do I have to pay a Co-Insurance payment after meeting my deductible? If so, what percentage am I responsible for? 
• Do I have a co-pay? If so, what amount am I required to pay? 

OUT OF NETWORK INSURANCE BILLING

LHCS does not bill out-of-network insurance carriers but can provide a monthly invoice, which clients can submit to their insurance company for reimbursement.  Out-of-network sessions must be paid in full at the time of service.

ACCEPTED FORMS OF PAYMENT FOR SERVICES

Cash, Check, Debit, Mastercard, Visa, Discover, American Express, Health Savings Account. Payment must be made at the time of the session.

Payment is required at the time of service. A card is asked to be put on file for payments to be charged at the end of the session unless other arrangements have been approved.

CANCELLATION POLICY
 

We value your time and ours, therefore, we ask that you give 48-hours notice for all schedule changes and cancellations so that we can give that time slot to another person in need. If 48-hours notice is not given you will be charged $150 for the missed session. Cancelation and No-Show fees are the responsibility of the client and are not billed to the insurance.