Cancellation Policy

In-Network Insurance and Third-Party Payments Accepted 

CareFirst BlueCross BlueShield

CareFirst Blue Choice HMO

BlueCross BlueShield Federal Program

Cigna – EVERNORTH (National Plans)

Out-of-Network Benefits from Commercial PPO Plans

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Plans NOT Accepted

** We are NOT able to accept any community plans (e.g. Carefirst Community Plan)

** We no longer accept United Healthcare at this location. Please consider our partner clinic if you have this insurance: www.waccenter.com

**We no longer accept Administrator plans or plans managed by a third party. This includes employer-sponsored plans or plans managed by Health Trusts and other organizations

***We do not coordinate benefits for plans that we are not in-network with (No secondary-primary insurance coordination)

** We cannot accept insurance in which Mental Health benefits are managed by an out-of-network or third-party provider. Please verify your coverage in advance.

~We cannot accept Medicaid or Medicare plans of any kind.~

Please consider our partner www.waccenter.com if you have Maryland Medicaid or United Healthcare

Payment Methods

Health Savings Accounts

Flex Spending Accounts

Cash, Credit, Check, HSA, FSA

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Frequently Asked Questions

I don’t see my insurance. Can I still be seen?

Yes! If we are not in-network with your insurance, you will be responsible for paying the standard rate. However, your therapist will provide you with a statement to submit to your insurance company to obtain reimbursement. If your insurance plan offers Out-of-Network Benefits, you may be able to get reimbursed between 40-70% of the fee. Our therapists will submit a complimentary claim on your behalf if your insurance permits.

If your therapist determines that you need longer-term treatment and you are out of network, we will attempt to contact your insurance company to enter into an agreement with them to become temporarily in-network in order to reduce the out-of-pocket cost to you. These agreements are not guaranteed and are at the sole discretion of the insurance company.

How much will I have to pay? Can you tell me what will be covered?

We do not verify or guarantee benefits. The insurance companies we work with offer hundreds of plans that have different rules and restrictions that change year to year. Only the insurance company can tell you how they will apply and process your benefits. We have found the information provided through online and telephone verification systems to be out of date or inaccurate. You should call your insurance company in advance so you know exactly what to expect. Here are some questions you should ask:

• What is my coverage for mental health services?
• Do I have limits on how many visits will be covered?
• Are there certain diagnoses that won’t be covered?
• Do I have a deductible? (The deductible is what you must pay before insurance will cover sessions)
• Do I have a copay?

I have United Healthcare. Your website says you are in-network and out-of-network, what does that mean?

Our clinic used to accept United Healthcare. Effective November 2022, we no longer accept United Healthcare at this clinic. However, some of our providers service other locations where United Healthcare is accepted. Clients with Medicaid and United Healthcare are encouraged to work with our clinicians through Washington Area Clinical Center by visiting www.waccenter.com.

What if I have two insurances?

If you have two insurances, we must be in-network with BOTH insurances to process claims. Our clinic does not coordinate benefits between insurance companies whom we are not in-network with. Clients who report only one of their insurances or fail to identify both insurances will likely experience an insurance denial and out-of-pocket responsibility for the client. Clients may prevent this from happening by disclosing both insurances and verifying which insurance is primary before registering. If we are in-network with your primary insurance, your sessions will likely be covered partially by that insurance according to the benefit plan you have.

What if I can’t afford the fee?

We believe in equality and access to care, which is why we accept many major insurance carriers. However, if you don’t participate in these plans, we encourage you to consider reducing the frequency of your sessions, opting for a shorter session time, or working with clinical interns at our partner location. Clinical interns offer significantly discounted fees in order to attract the clients they need to meet their hours for licensure and are supervised by faculty and experienced clinical supervisors. Many of our talented clinicians were once interns. For more information about low-fee services, please email our main office.

I need medication, but I already have a therapist. Do I have to see one of your therapists to get meds?

No. Our prescriber works independently and treats clients regardless of whether they are receiving therapy, and regardless of the location of their services. Our prescriber will work with any provider of your choice. While she may ask you to sign a release to collaborate with your therapist, she will never ask or require you to change your provider to work with her.

I am a professional provider. I want to refer my patient to work with one of your providers for a service that I don’t provide, but I am concerned that I will lose my patient to other providers in your practice. Do you collaborate with outside providers?

Yes! We routinely refer our patients to outside providers when specialized services are needed; when we are running a waiting list; and when our clients need a different therapeutic approach. Likewise, we warmly welcome referrals from outside providers who may want to collaborate with us for the greater treatment of their patient(s). Professionals should submit a professional referral form so that our office knows specifically what the patient needs. Our office will then streamline their admission to connect them specifically with the provider specified in the referral.

Can I keep coming to therapy if I have a high balance?

Our team will always work with clients to select affordable treatment options. However, due to the frequency of treatment (usually weekly) and the potential for balances to accrue quickly, we cannot allow clients to accrue debt. Accounts must be current before attending the next appointment.

Can I pay with a credit card?

Yes, all clients are required to put a card on file to cover copays, deductibles, and session fees. Clients who do not put a card on file must pay for their full session at the time of service.

Will I be charged if I cancel a session?

It depends. There is no charge for appointments canceled with 48 hours notice. If you provide less than 48 hours notice or do not show up for your appointment, you will be charged as follows:

Therapy Appointments:

48 Hours Notice- No Fee

24 Hours – Same Day – $70

No Call/ No Show- Up to $160

Med-Checks:

48 Hours Notice- No Fee

24 Hours – Same Day – $80

First No Call/ No Show – $80

Additional No Call/No Shows – $220

In emergency events, we offer virtual therapy in lieu of in-person sessions.

Fees for medication management appointments may be different.

Ask your provider about their cancelation policy.

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Crofton | Annapolis | Lanham | Greenbelt | Laurel | Bowie

Marriage & Family Therapy

Professional Counseling