-Is insurance or private pay better?

Private pay allows therapy to remain fully focused on your goals without the documentation or treatment restrictions often required by insurance. Your records remain private and are not shared with insurance providers.

 

Using insurance can reduce upfront costs, but it typically requires a mental health diagnosis, includes treatment documentation, and may limit the number or type of sessions covered.

 

Both options can be helpful depending on your needs. Some clients choose insurance for affordability, while others prefer the flexibility and privacy of private pay..

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-How do I use my insurance for therapy?

Graceful Changes Psychotherapy is in-network with several commercial insurance providers across Virginia, Maine, Connecticut, and Vermont.

 

Medicaid, Medicare, and Tricare are not currently accepted.

 

If you use insurance, claims are submitted directly to your insurance carrier after each session.

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-What if I want to use out-of-network benefits?

If your plan includes out-of-network benefits, a Superbill can be provided after each session.

 

You can submit this to your insurance company for possible reimbursement. Coverage and reimbursement amounts vary by plan.

 

 

-Why is a credit card required on file?

A credit card is securely kept on file to process any balance not covered by insurance, including copays, deductibles, coinsurance, late cancellations, or missed appointments.

 

This keeps billing simple and allows sessions to stay focused on your care.

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-How is my session cost determined?

Session cost depends on whether you are using insurance or paying privately.

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• Private Pay: The session fee is provided before your appointment.

• Insurance: Your out-of-pocket cost depends on your plan, including deductibles, copays, coinsurance, and coverage limits.

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Final responsibility is determined by your insurance provider after claims are processed.

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​​​​​​-Is telehealth therapy secure?

Yes. Sessions are conducted through secure, HIPAA-compliant video platforms designed to protect your privacy and personal health information.

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-Do you accept Medicaid or Medicare?

Graceful Changes Psychotherapy is not in-network with Medicaid or Medicare.

Private-pay therapy is available if you are not using insurance.

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-Do you accept Employee Assistance Program (EAP)?

Graceful Changes Psychotherapy does not currently participate in EAP programs.