Grosse Pointe Woods, MI, USA

Contact

8105100613

Follow

  • @counselingme

©2017 by Monique Edwards Counseling.

Disclaimer

Your use of this website indicates your understanding of the following:

The information and resources contained on this website are for informational purposes only and are not intended to assess, diagnose, or treat any medical and/or mental health disease or condition. The use of this website does not imply nor establish any type of therapist-client relationship. Furthermore, the information obtained from this site should not be considered a substitute for a thorough medical and/or mental health evaluation by an appropriately credentialed and licensed professional.

This website includes links to other websites for informational and reference purposes only. This website does not endorse, warrant or guarantee the products, services or information described or offered at these other websites.  Examine the content carefully.

This website and blog should not be used in any legal capacity whatsoever, including but not limited to establishing “standard of care” in a legal sense or as a basis for expert witness testimony.  No guarantee is given regarding the accuracy of any statements or opinions made on the website or blog.

Rates for Services

50-60 minute sessions                            $120

80-90 minute sessions                            $180

30 minute tele-therapy sessions             $60

I accept all major credit cards as well as payment through health care savings accounts. I provide all of my clients with a Superbill (fancy receipt) so that they may request reimbursement through their insurance provider if they choose. I am considered an Out of Network provider for insurance companies as I am not paneled through any insurances. Contact your insurance provider to check your deductible in network and out of network and see about what your plan covers. It's a quick call and you can find out all you need to know about how to get reimbursed for any out of network services you use. 


It is true, I do not take insurance. 

There are a number of reasons for which I do not directly accept and bill insurance. The main reason is because dealing with health insurance can be a nightmare, both for the provider (me) and for the patient (you). 

Why?

 Because when a mental health provider directly bills your insurance for counseling or psychotherapy services, your insurance requires a lot of personal information about you to ensure that you have a “medical necessity” which requires the need for mental health and counseling services. 

“Medical necessity” means that you have a mental health diagnosis that is severe enough to be impacting your daily functioning, meaning your ability to get your day to day things done (eg. work, school, social interactions, activities of daily living such as bathing, eating, etc). This means that a therapist directly billing your insurance needs to make a strong justification for what your diagnosis is and how it impairs you from being a functional individual.

Most insurance companies also require treatment plans which itemize the issues we are working on in therapy and the goals we have set to help you resolve the issues you are working on in therapy. 

Lastly, some insurance carriers only authorize a certain number of visits and require reauthorization by asking the therapist to share more of your personal information with the health insurance provider each time you need more sessions. 

Sound complicated and intrusive enough yet?

It is. 

One main reason I don’t accept insurance is due to my desire to protect my clients’ privacy as much as possible. I don't feel like seeking my services should mean you live the rest of your life with a medical diagnosis that could effect your eligibility and finances down the line. 

More and more therapists are moving away from directly accepting and billing insurances. However, as therapists we know that sometimes using insurance can really help the financial aspect of any type of treatment. Therefore, most therapists, myself included, offer a monthly Super Bill to their clients who request them for reimbursement purposes. 

A  Super Bill itemizes the services rendered, how much you paid for your services, and a diagnosis that is sufficient enough for the insurance carrier to pay you back a portion of the fees you paid for your services. Most often those of us who offer Super Bills to our clients refer to ourselves as “Out of Network” providers, meaning, we are outside of your insurance company’s preferred provider network, but that some of the fees for our services might be reimbursable to you directly through your insurance provider. This is typically only applicable to people who have PPO type insurance plans. Please note, it is ultimately your responsibility to understand your insurance benefits and to make sure what percentage of the therapist’s fees will be reimbursable. 

If you are considering counseling services, don’t let the cost of the services scare you away. Insurance is a great resource to have, and can be helpful, but in reality, investing in our overall wellbeing is a more cost effective way of managing our health. A part of that wellbeing includes investing in a really good counselor with whom you connect who can help you on your current journey though life.