Cary Terra, LMFT

Fees for Therapy Individual therapy, 50 minutes: $125 Couples therapy, 50 minutes: $135 Family therapy, 50 minutes: $140

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About Fees and Insurance

Because I am a licensed marriage and family therapist, my professional services do qualify for patient reimbursement under most insurance plans. I currently contract with a number of insurance plans, EAP plans and outside funding agencies.

Before making the decision to use your insurance coverage to reimburse you for therapy, please consider the following:

Confidentiality: All insurance companies require some information about the reason for psychological treatment in order to process your claim. In addition, managed care plans often require detailed information regarding the problem for which you are seeking help, history, symptoms, family life, work life, and so on. The information is entered into increasingly large information systems, and current regulations may not adequately protect your confidentiality.

Control of Treatment: Managed care companies use the information to decide if treatment is medically necessary, what kind of therapy is approved, and, later, if it should continue. Many of the insurance company employees who make these decisions have limited training, and of course have never met with you.

Psychiatric Diagnosis: Health insurance is designed to pay for the treatment of illness. Therefore, a psychiatric diagnosis must be made before most insurance companies will pay.

It is important that clients understand some of the risks that come with utilizing insurance benefits for coverage of psychotherapy. However, our society is increasingly accepting of mental health issues and treatment. If you have paid for health insurance coverage, you are entitled to coverage for necessary mental health treatment. I encourage you to weigh the decision to utilize benefits carefully, but also to seek treatment when needed.

My commitment to confidentiality means you can trust me to treat your personal information with respect, sharing only that which is absolutely necessary and required with your insurance company, and never divulging any information about you without your written consent (see my Privacy page for more information on the limits of confidentiality in cases of abuse.)

Please feel free to contact me with any questions or concerns you have about fees and insurance.