Payment FAQs

I’m planning to use my insurance to cover therapy.

Great! Here’s what you need to know:

Individual Counseling

• Evermore Counseling Services accepts Dean Health Plan/Medica, Dean Medicaid, Quartz Health Solutions, and Quartz Medicaid.

• Coverage for in-person and telehealth services varies by plan and provider. Please confirm your insurance benefits before your first session. While we’re happy to provide general guidance, it’s your responsibility to verify coverage details, including copays, deductibles, and session limits.

Premarital and Relational Counseling

• Most insurance plans don’t cover premarital, relational, or family counseling, as these services aren’t considered “medically necessary.” However, you can use your HSA or FSA card.

What if Evermore isn’t in my insurance network?

We can still support you.

If we’re out-of-network, we can provide a monthly superbill for individual appointments—a detailed receipt you can submit to your insurance for potential reimbursement. You’ll pay the full session fee upfront, and your insurer may reimburse you based on your plan’s out-of-network benefits.

It’s your responsibility to confirm what’s covered and what you may owe based on your deductible, copay, or coinsurance.

Is it okay if I don’t want to use my insurance for therapy?

Absolutely—many people choose to pay privately. Common reasons include:

Individual Counseling

• More control over care – Without insurance involvement, you have greater flexibility in how therapy is structured, without following insurance-mandated treatment plans. Insurance requires a formal mental health diagnosis in order to approve treatment, which means there’s no coverage for therapy focused on issues like general life stress, personal growth, disruption of family by separation or divorce, or problems related to employment. Paying privately gives you the freedom to seek support for the experiences that matter most to you, without needing to fit into a diagnostic box.

• Enhanced privacy – Insurance billing requires sharing diagnosis and treatment details, which may become part of permanent records. This information can potentially be shared with larger entities, including government agencies, if required by law, or used by the insurance company for other purposes, such as audits, quality reviews, or claims processing. Paying privately keeps your therapy confidential and fully between you and your provider.

• Broader provider choice – Insurance networks don’t always include therapists who meet your needs, preferences, or identities. Paying out of pocket allows you to choose a provider based on fit, not network limitations.

Premarital and Relational Counseling

Premarital and relational counseling are not covered by insurance because they aren’t considered “medically necessary”— meaning, there’s no mental health diagnosis being treated. While this means sessions are paid out of pocket, there are meaningful benefits for you:

• Greater confidentiality – When you choose to pay out of pocket for relational therapy, you gain a higher level of confidentiality and control over what’s shared. Because insurance isn't involved, no information about your relationship, conversations in sessions, or the challenges you're working through needs to be submitted to an outside party. For many people, this added privacy helps create a more open and comfortable space to explore sensitive topics, without worrying about how the information might be documented or shared. It allows the focus to stay fully on strengthening your connection—without outside oversight.

• Flexibility in care – You and your partner(s) control the pace, content, and length of therapy without needing a mental health diagnosis or measurable outcomes. This allows you to focus on strengthening your bond without external constraints, creating a more personalized and supportive experience.

What forms of payment do you accept?

To make things easy, we accept:

Major credit/debit cards

FSA/HSA cards

Cash or check

Payment is due on the day of service. A card must be kept on file for session fees, copays, late cancellations, or no-show charges.

What is a Good Faith Estimate?

If you don’t have insurance or choose not to use it, you’re entitled to a Good Faith Estimate—a clear cost outline before you receive care. We’ll provide this in writing after learning more about your needs (e.g., weekly or biweekly sessions).

If your final bill is $400 or more above the estimate, you have the right to dispute it. For more information, visit cms.gov/nosurprises or call 800-985-3059.