Is insurance or private pay better?

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

 

Using insurance can reduce upfront costs, but insurance companies typically require a mental health diagnosis, maintain treatment records, 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 are using insurance, claims are submitted directly to your insurance provider after each session.

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

If your insurance plan allows reimbursement for out-of-network services, a Superbill can be provided after each session.

 

You can submit this document to your insurance company to request possible reimbursement. Coverage and reimbursement amounts depend on your individual insurance plan.

 

 

Why is a credit card required on file?

A credit card is kept securely on file so that any balance not covered by insurance—such as copays, deductibles, coinsurance, late cancellations, or missed appointments—can be processed easily.

 

This helps keep billing simple and allows sessions to remain focused on your care rather than payment logistics.

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How is my session cost determined?

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

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

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

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Your insurance company determines your final financial responsibility after claims are processed.

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​​​​​​Is telehealth therapy secure?

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

These systems meet federal standards for confidentiality and data security.

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Do you accept Medicaid or Medicare?

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

Private-pay therapy is available for clients who 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.