Is insurance or private pay better for me?

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With private pay, you have full control over your therapy—choosing your therapist, session length, frequency, and focus—without the restrictions insurance companies often impose. Your records stay completely private, with no required mental health diagnosis or information shared with insurers. Insurance can help reduce upfront costs, but often limits the number of sessions, requires specific diagnoses, and keeps records in your permanent medical file. Private pay offers flexibility and confidentiality, while insurance can make therapy more affordable in the short term.

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How do I use my insurance?

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Our therapists are currently in-network with Anthem, Sentara, Optima, Aetna, Optum and United Behavioral Health commercial health plans. We DO NOT accept Medicaid, Medicare or Tricare at this time.

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Out-of-network options:  If you would like to receive possible partial or full reimbursement from your insurance carrier by submitting a claim directly to them, please request a Super bill at the time of your appointment.

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If I’m using my insurance, why do you need my credit card information?

 

A credit card on file ensures your account can be settled quickly for any costs not covered by your insurance—such as copays, coinsurance, deductibles, late cancellation fees, or no-show charges. Insurance companies determine your coverage after claims are processed, and you may still be responsible for part of the fee. Having a card on file streamlines billing, avoids interruptions in care, and keeps your focus where it belongs—on your therapy, not payment logistics.

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How do you determine how much my session will cost?

 

Your session cost depends on several factors, including whether you’re paying privately or using insurance.

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• Private Pay: The fee is set based on the therapist’s standard rates for session length and type. This rate is transparent upfront with no surprises.

• Insurance: The cost depends on your specific insurance plan—your deductible, copay, coinsurance, and whether the therapist is in-network or out-of-network. After your claim is processed, your insurer will inform you of your financial responsibility.

If you pay privately, you receive a clear fee before your session. If you use insurance, you may also receive a SuperBill to submit for reimbursement, but the exact out-of-pocket cost can vary based on your benefits.

 

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What I should expect at my first appointment?

 

Your first session is an opportunity to get to know your therapist and share what brings you to therapy. You’ll discuss your background, current challenges, and goals for treatment. This helps your therapist understand your unique needs and create a plan tailored just for you.

You can also ask any questions about the process, confidentiality, fees, and scheduling. The goal is to build a comfortable, trusting space where you feel heard and supported from the start.

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Is it HIPAA compliant and secure?

 

Yes, all sessions are HIPAA-compliant and secure. We use encrypted, confidential video platforms designed to protect your privacy and keep your personal health information safe. This ensures that your therapy sessions meet strict federal standards for security and confidentiality.

 

 

 

Does Graceful Changes Psychotherapy accept Medicaid or Medicare?

 

At this time, our practice is not in-network with Medicaid or Medicare.  However, all of our therapists are available for Private Pay sessions. 

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Does Graceful Changes Psychotherapy accept Employee Assistance Program (EAP)?

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At this time, our practice does not participate in EAP's.