FEES & INSURANCE
Clifford Churchill Jr., LMHC - Licensed Mental Health Counselor
PRIVATE PAY PRACTICE

Fees & Insurance Information

As a private pay practice, I am not contracted with HMO insurance plans. However, for PPO/POS plans, I can provide a monthly insurance-ready "superbill" upon request for out-of-network reimbursement. You will be responsible for submitting the superbill directly to your insurance provider.

Insurance companies require a mental health diagnosis for services if you use out-of-network benefits. Please verify your coverage and reimbursement rates with your provider. You will be responsible for paying full fees at each session—services may or may not be covered in full.

Cancellation Policy: Appointments canceled with less than 24 hours notice will be charged $100. Cancellations must be made by phone or email. I accept all major credit cards and HSA/FSA.

Schedule a Consultation

Questions for Your Insurance Provider

If you have a PPO/POS plan, ask these questions to understand your out-of-network coverage.

Out-of-Network Benefits

Do I have out-of-network mental health benefits? What is the allowed amount and reimbursement percentage per session?

Deductible & Limits

What is my deductible and has it been met? How many therapy sessions per year does my plan cover?

Telehealth & Authorization

Is telehealth psychotherapy covered? Is approval required from my primary care physician?

Claims & CPT Codes

How do I submit claims? Common CPT codes: 90791 (initial assessment), 90837 (individual therapy).

Ready to Begin?

Start Your Mental Health Journey

Don't let financial concerns prevent you from getting the help you deserve. I'm happy to discuss fees, insurance questions, and payment options during a consultation.

Investing in your mental health is an investment in your future. I am here to support you every step of the way.

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