Rates and Insurance

• Aetna (in-network)

• Blue Cross and Blue Shield (in-network)

• Other (out of network) see below

• Interns are not able to accept insurance

It is recommended that you know and understand your specific insurance coverage before beginning services to avoid any surprises.

Questions to ask your insurance company can be found here.

Out-of-Network

Cooper Counseling Center may be considered a provider under your out-of-network benefits for mental health counseling services. To use out-of-network benefits, you would pay for your counseling upfront and request a reimbursement from your insurance company.

To request a reimbursement, you would submit a “SuperBill”, which will be provided to you upon request. A “SuperBill” is a receipt that includes specific information that the insurance company requires to process your reimbursement request.

It is recommended that all clients interested in out-of-network benefits call their insurance provider for more information. Here are some questions to ask when seeking clarification. It is important that you know and understand the details of your coverage before beginning services.

Reimbursement is not guaranteed by all insurance companies and Cooper Counseling Center is not responsible for any insurance related issues or lack of reimbursement, but we are happy to answer any questions you may have about this option.

Payment Methods

Cash, checks, and all major debit/credit cards, including Health Saving Account (HSA) and Flexible Spending Account (FSA), are accepted. Please make checks payable to Cooper Counseling Center.

Cancellation Policy

We reserve your appointment time slot exclusively for you. Therefore, we have a 24-hour cancellation policy. We charge a fee of $60 (Intern rate) and $125-$160 (Clinician rate), to the card on file, for sessions canceled or rescheduled without 24-hours notice. When scheduling your first session, you will be required to have a credit card on file. This policy is to ensure we are honoring each other’s time.

Benefits of Private Pay vs. Using Insurance

The Right Counselor for You: Counseling involves a commitment of time, money, and energy, so it is important you find a counselor you feel is the right fit for you. When using insurance, you are limited to a counselor that is in-network with your insurance company. Private pay allows you to select a counselor based on their approach, specialization, or personality. Finding a counselor that is the right fit and you feel comfortable with, is an important factor in making counseling successful.

Control Over Your Counseling: Many insurance companies set limits around the services you receive including the length of your session, how frequently you attend sessions, and the number of sessions you can have. Additionally, some insurance companies determine the type of counseling you can receive and limit things such as personal exploration as it is not considered medically necessary. An insurance company can request to review your mental health record to determine if they will continue or discontinue paying for your counseling. When you choose private pay, you get to work with your counselor to determine what individualized support and approaches you need to achieve your personal growth and goals.

Confidentiality: Insurance companies require, at a minimum, that counselors provide the following information for payment/reimbursement: client name, dates of service, and mental health diagnosis. While your counseling is confidential, when using insurance, you must sign a form allowing your counselor to communicate this confidential information to your insurance company. Additionally, your insurance company may request to review your records, which may require disclosure of additional information such as your counseling session notes. This information becomes part of your medical record and may be used by insurance companies to determine your rates, eligibility for life/health insurance, and even impact some individual’s career opportunities (i.e. armed forces, first responders, and pilots). This is especially important when considering services for your youth. Many people prefer to privately pay for their counseling to protect their confidentiality.