How To Pay For Therapy In St. George, UT

Can You Use Insurance To Pay For Therapy?

Today’s blog is a lot more personal (at least at the start). But that’s okay. Because going to therapy is a personal matter. Plus, how much money you make and how you spend it, that’s really personal too. Are you willing to explore these intimate and complex topics with me? I hope so. Because it can make the difference between you getting the support you deserve or continuing to struggle with your mental health DIY-style.

Understanding health insurance has been a long, hard battle for me. In other words, I am not an insurance broker or financial advisor and this blog is not giving you advice on how to use your insurance (or if you should at all). Personally speaking, in my own life, I’ve been fortunate enough to have had employers that offered benefits and when they didn’t my family and I chose our own plans with the help of an advisor. But this didn’t mean I understood exactly what I was signing up for or how to use it.

Understanding Insurance For Therapy Can Be Confusing!

During all this time of choosing and using insurance for therapy and health matters, I could often feel my eyes glaze over and my brain goes foggy as they started discussing “out of pocket XYZ…” and “deductible this and that…” It sounded like absolute gibberish to me!

If you have felt this way, clearly you are not alone. It wasn’t until this late in my life that I felt like I had made sense of using insurance. Being a therapist with clients who want to use their benefits (or not use their benefits) has given me additional insight. So, without further ado, let’s talk about how you can pay for therapy in St. George, UT.


How Do I Pay For My Therapy Sessions?

St. George, UT has a range of choices when it comes to finding the right therapist and paying for services. In a nutshell, you can pay for services using cash, debit card, credit card or even an HSA (Health Savings Account) card. Some offices may offer packages if you pay for your sessions ahead of time. For example, at Guided Wellness Counseling one of the packages we offer looks like this:

● $150: 50-minute individual session
● $190: 80-minute individual session
$500: Package of four 50-minute sessions ($100 savings)

If you have insurance, you likely are familiar with how to use your card, pay your copay, etc. But what if you have insurance and your provider is “out of network”? Can you still see that therapist? Spoiler alert: YES – you can still see a therapist who is out of network with your insurance.

What If MyTherapist Is Out of Network?

You are not alone in finding a therapist you really jive with only to find out they don’t accept your insurance. In other words, they are an “out of network” provider. Don’t despair! You can still use your insurance if you want. Let me explain what this looks like at Guided Wellness Counseling’s Southern Utah office and our clients.

First, you’ll make an appointment with your therapist, attend sessions, and use your cash or card (debit, credit, or HSA) to pay for your therapy. Yes, you’ll pay the full fee. But then, Guided Wellness will submit your bill to your insurance, and the money you just paid “out of pocket” will be applied to your deductible. This is great news! Because the sooner you reach your deductible the sooner you experience the full range and coverage of your insurance benefits.

For example, a client might pay $150 a therapy session at our St. George, Utah office with their credit card until they hit their deductible. Once they hit their deductible, their benefits expand and they start getting a 60% reimbursement from their insurance. In other words, they’ll receive a $90 check from their insurance paying them back for every appointment they attend.

Have you already hit your deductible this year? Great – in the example above, that means the client would start getting those $90 reimbursement checks from their insurance from their very first session. In other words, they would come to therapy, pay the full fee ($150) and then get a check in their mail from their insurance paying them back their allocated percentage..


How Much Will I Pay For Therapy With An Out Of Network Therapist?

Now, everyone’s deductible is different and everyone gets paid back (e.g. reimbursed) a different percent able / amount. How do you find out what you’ll pay your therapist or be reimbursed by your insurance? It’s so easy…

At Guided Wellness Counseling we’ve partnered with Mentaya, a service that streamlines getting reimbursed for your therapy sessions through out-of-network benefits. I remember the day I was so grateful we could offer Mentaya to our clients. A woman had arrived for her therapy session and I knew she’d wanted to use superbills (receipts) to get reimbursed by her insurance company. I was able to give her a superbill no problem. But what we didn’t expect was that her insurance company would want her to fill out an entire packet or forms along with the superbill. It was both intimidating and overwhelming.

With Mentaya, you get to skip the paperwork and superbills altogether. They do it for you and, if I’m being honest, with more accuracy and speed.

Are you a new client? See if you qualify by clicking the button below:


Should I Use Out Of Network Benefits For Therapy?

Because I’m not your insurance broker, provider, or financial advisor I can’t tell you what to do. I’m just a therapist and a human who has personal experience seeing both in network and out of network therapists myself. But I will say, that Mentaya is perfect if you:

• Have out of network benefits (and the checker above will tell you if you do or not)
• Feel overwhelmed by superbills and insurance (the packets can be 6 pages on your own!)
• Have submitted superbills but failed to get any reimbursement
• Simply want to skip the hassle of paperwork!

If you are already a client at Guided Wellness Counseling’s St. George office here is how it works for you:

1. Sign up for Mentaya:
2. Our practice will enter your sessions into the platform.
3. Mentaya submits the claim and handles any insurance follow-up.
4. You get reimbursed by insurance!

Mentaya charges a 5% fee per claim, which includes handling any paperwork required, dealing with denials, and calling insurance companies. It’s risk-free: They guarantee claims are successfully submitted, or a full refund of their fees.


How Do I Get Started With Guided Wellness Counseling?

In the labyrinth of navigating mental health care, the prospect of utilizing out-of-network insurance benefits for therapy might initially seem daunting. However, as we’ve explored, it’s a step well worth taking, and it’s easier than you might think. Armed with the right tools and knowledge, you can unlock a wealth of resources to support your mental and emotional well-being.

Remember, you possess the capability to understand your insurance benefits and make informed decisions about your care. The benefits checker provided can serve as your compass, guiding you through the process with clarity and ease. Whether it’s improving your mental health, fostering better relationships, or nurturing your self-worth, you deserve the opportunity to thrive.

So, I urge you to take that first step. Reach out and schedule that appointment. Embrace the journey toward a healthier, happier you. You are worthy of the support, the healing, and the growth that therapy can offer. Let’s embark on this journey together, towards a less stressful tomorrow marked by self-discovery, resilience, and boundaries that serve you and your relationships. Your well-being matters, and it’s time to prioritize it.

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