Fees & Policies

If this rate isn’t realistic for you, you may find this list of free and lower-cost providers helpful.

Therapy Schedule & Cancellation Policies

Clients are expected to commit to weekly therapy appointments at the start of treatment. Later on, sessions may be scheduled less frequently as we shift our focus to maintaining change. 

All cancelled and missed (“no-show”) appointments are charged the full session rate. These fees are waived in the following situations: 

1. It is the first cancelled/missed session during a three-month period of treatment. This means that during a full calendar year of treatment, clients have a total of 4 cancellation fee waivers to use as needed. 
2. If the appointment is rescheduled during the two weeks before or two weeks after the cancelled appointment. In most cases, this requires two sessions to be held in one week and depends on therapist availability. 

Why do you have these policies?

Payment

Clients are expected to keep a payment card on file. The card will be billed at the end of each session, although payment may be made in a different form (e.g., cash, check, a different payment card) at the time of the session. I will provide a receipt for all fees paid. 

Health Insurance

Karen Campion Counseling, LLC is not considered “in-network” with any insurance companies, and clients are expected to pay the full fee at the time of service. If your insurance plan includes “out-of-network” benefits, you can request partial reimbursement for your out-of-pocket therapy payments. There are two ways I can help you use your out-of-network benefits:

1. I can give you a monthly superbill that you can submit to your insurance company to request reimbursement.
2. I can connect you with the company Mentaya, which automatically submits claims for out-of-network reimbursement on your behalf and manages any necessary follow-up, in exchange for 5% of the session fee. 

Wondering if you have out-of-network benefits? You can contact your insurance company to ask or use this instant benefit checker from Mentaya.

Why are you an out-of-network provider?

Good Faith Estimate

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care 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 health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care 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. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 800-985-3059.

Notice of Privacy Practices

The current copy of the notice describing how this practice complies with federal and state legal requirements to protect the privacy of clients’ health information is always available here.