Payment

Session fees vary for each provider. Please contact us for details.

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are accepted through the payment system, along with cash, check, and all major credit cards.

Insurance

Gaia Counseling is a private pay practice and does not work directly with any insurance providers. If your insurance plan provides out-of-network mental health coverage, you have the option to file for out-of-network reimbursement. So, how does this process work?

First, you will need to determine if you have out-of-network coverage. You can do this by contacting your insurance provider and asking about the details of your mental health coverage. It may also be helpful to inquire about the number of sessions your out-of-network benefits will cover, and what details they will require for this process.

If you decide to file for out-of-network benefits, you will pay your therapist directly, and afterwards file invoices with your insurance provider. All of your billing invoices and Superbills can be accessed via our secure client portal.

It is also important to consider that in order to file, insurance companies usually require a diagnosis. This diagnosis is recorded in your or your child’s permanent medical record and can potentially affect premium rates. Additionally, most insurance companies require highly sensitive, personal information, which may pose a threat to your confidentiality and privacy. For these reasons, Gaia Counseling operates as a self-pay therapy practice.

No Surprises Act & Good Faith Estimates

Effective January 1, 2022, the No Surprises Act, which Congress passed as part of the Consolidated Appropriations Act of 2021, is designed to protect patients from surprise bills for emergency services at out-of-network facilities or for out-of-network providers at in-network facilities, holding them liable only for in-network cost-sharing amounts. The No Surprises Act also enables uninsured patients to receive a ‘good faith estimate’ of the cost of care.

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.

Under the law, healthcare providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment and hospital fees.

  • Make sure your healthcare provider gives you a Good Faith Estimate in writing at least one business day before your medical service or item. You can also ask your healthcare provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

  • Make sure to save a copy or picture of your Good Faith Estimate.