Cost

Investing in Your Well-Being: Understanding Our Fees

At Beckmann Counseling, we believe that choosing the right therapist is a personal and important decision. That's why we focus on providing high-quality, results-oriented services, rather than relying on insurance referrals. You choose us because of our reputation for making a real difference in the lives of individuals and families.

Our Fee Structure

Our fees are designed to reflect the specific services you need and are set to be competitive within our local area. We understand that investing in your mental health is a significant commitment, and we strive to make it as accessible as possible.

Payment Options

For your convenience, payment is due at the time of service. We accept:

• Health Savings Account (HSA)

• Flex Spending Account (FSA)

• Major Credit Cards (securely processed through a HIPAA-compliant system)

For clients under 18, the parent or guardian accompanying the child is responsible for payment.

Navigating Insurance: Out-of-Network Benefits

We operate as a private-pay, out-of-network provider for most insurance companies. This means you have the freedom to choose your therapist, and many insurance plans will reimburse you for a portion (typically 60-80%) of our fees.

We provide a detailed receipt (Superbill) upon request, which you can submit directly to your insurance provider for reimbursement. Please contact your insurance company to understand your specific mental health benefits and out-of-network coverage. Beckmann Counseling does not assume responsibility for out-of-network coverage.

Your Right to Know: The No Surprises Act and Good Faith Estimates

We are committed to transparency in our pricing. In accordance with the No Surprises Act, we provide all uninsured and private-pay clients with a Good Faith Estimate. This estimate outlines the expected costs of your therapy services, empowering you to make informed decisions about your care.

• You have the right to receive a written Good Faith Estimate at least one business day before your appointment, or upon request before scheduling.

• This estimate will detail the total expected cost of your non-emergency mental health services.

• If your final bill exceeds the Good Faith Estimate by $400 or more, you have the right to dispute it.

• Please retain a copy of your Good Faith Estimate for your records.

For more information about the No Surprises Act, please visit www.cms.gov/nosurprises or call (800) 985-3059.

Insurance vs. Private Pay: Weighing Your Options

We understand that cost and privacy are key considerations when choosing therapy. Here’s a breakdown of the pros and cons of using insurance versus private pay:

Using Insurance:

• Pros:

  • Potential for reduced out-of-pocket costs, depending on your plan.

  • Access to services that may otherwise be unaffordable.

• Cons:

  • Requires a mental health diagnosis for coverage.

  • Insurance companies may audit clinical records, potentially compromising privacy.

  • Insurance companies can deny coverage at any time.

  • Potential for diagnoses to impact future insurance or employment.

Private Pay:

• Pros:

  • Enhanced confidentiality and control over your information.

  • Access to therapy for personal growth, even without a diagnosis.

  • Flexibility in determining the frequency and duration of therapy.

  • Avoidance of high deductible plans that require you to share private information without receiving much reimbursement.

• Cons:

  • Potentially higher out-of-pocket costs.

  • Spacing sessions too far apart can hinder progress, especially at the beginning of therapy.

Ultimately, the choice between insurance and private pay is a personal one, balancing cost and privacy. We are here to help you navigate these options and make the best decision for your well-being.