Fees

Invest in Yourself

Fees for professional counseling services available to individuals or couples located during sessions in Oregon, Vermont, New Hampshire, South Carolina, Florida, or internationally (check with Elaine for a specific country) are:

• For individuals:
  • $225 for the initial 50-minute intake session
  • $175 for the 50-minute psychotherapy follow-up sessions
  • $225 for the 50-minute assessment follow-up sessions
  • Additional fees are charged for specialized assessments, and therapist’s time to analyze assessment results and produce reports. These will be discussed with clients ahead of time.
• For couples – $250 for each 50-minute session.
• Consultations for clinicians – $200 for 60 minutes; available to clinicians located anywhere.

For alternative low cost counseling options, see Resources page. 

No Surprises in Costs

Ask Counseling LLC complies with the Federal No Surprises Act effective 1/1/2022, put in place to ensure that Private Pay clients understand the costs of their healthcare services ahead of time and have the right to receive a Good Faith Estimate (GFE). Per Federal rules, GFE is not provided to clients using any insurance (private, Medicaid, or Medicare) or paying Out Of Network and then submitting a Superbill to their insurance for reimbursement.

Financial Policy

• Payment is required at the start of each session
• Cash, check and all major credit cards are accepted
• Cancellations made less than 24 hours ahead of the session are charged the full session fee

Insurance

Ask Counseling LLC is not contracted with any insurance companies. Most insurance companies dictate the number of sessions and the type of therapy you are allowed to receive. Ask Counseling LLC believes this should be decided privately between you and your counselor. If you prefer to receive counseling from an in-network provider through your insurance, please contact your insurance directly and ask for names of providers with current availability.

Please note, many insurance plans do not cover career counseling, financial therapy, or couples, relationship, or marriage counseling because they are not considered to be “medically necessary”.

Medicare

Ask Counseling LLC opted out of network with Medicare effective 1/1/2024. Opting out means Ask Counseling LLC cannot be involved in any Medicare program; including original fee-for-service (traditional) Medicare, Medicare Managed Care Plans, Medicare+Choice Plan and Medicare Advantage Plan. Clients on Medicare are invited to sign a Medicare Private Pay Opt-Out Medical Services Contract at the start of their services. Ask Counseling LLC does not provide Superbills to clients on Medicare.

Medicaid/OHP (Oregon Health Plan)

Ask Counseling LLC is unable to work with clients who are covered by Medicaid – Oregon Health Plan (OHP) insurance. Psychotherapy is a service fully covered by OHP through our tax dollars. OHP members wanting to pay for psychotherapy out-of-pocket must notify OHP of their ability to do so. This may make them ineligible for OHP coverage.

Out-Of-Network Coverage

If you would like to use your insurance’s Out-of-Network (OON) coverage with Ask Counseling LLC, you may request a medical receipt to submit for reimbursement (Superbill). Full payment is still required at the start of your session, and the reimbursement would come to you directly from your insurance company. Ask Counseling LLC provides Superbills for reimbursement to clients who are not on Medicare. A Superbill includes your mental health diagnosis and your sessions need to be “medically necessary”. 

Career Counseling, Financial Therapy, and Couples Counseling services are not considered medically necessary and may not be covered if there isn’t also a mental health diagnosis.

If you do submit an OON claim to your insurance, Ask Counseling LLC takes no responsibility for pursuing that claim or for your insurance company’s reimbursement decision: OON claims are entirely between you and your insurance company. 

If you would like to explore this option further, check with your insurance company about your Out-Of-Network coverage for mental health services prior to seeking services:

• Is there a deductible that must be met prior to receiving benefits for out-of-network mental health services? Once the deductible is met, what are the benefits for out-of-network mental health services?

• Are there any limits to reimbursement? Examples may include: a maximum amount reimbursed per session, or a limit on the number of sessions allowed.

• If you’re interested in couples, relationship, or marriage counseling, check if your insurance reimburses OON services for CPT code 90847 for couples counseling with diagnosis code Z63.0: “Problems in relationship with spouse or partner”. Please note: Ask Counseling LLC does not provide Superbills to clients on Medicare insurance.

Using FSA or HSA

You may also be able to use a Flex Spending Account (FSA) or a Health Savings Account (HSA) to pay for counseling.