The following are the financial terms by which New Reflections Counseling (NRC) agrees to provide services.
The standard fee is the maximum fee: your fee might be lower depending on the fee schedule your counselor uses. Please contact us to determine your exact fee.
- $150 for 50 minutes of Face-to-Face, Video, Phone, Chat, or Email counseling (see below to see if you are eligible for the sliding scale fee)
- $90 for Client requested communication (per letter, phone call, report, etc. up to one hour of time)
- Fee varies for Group counseling – depending on the number of people in the group and group length.
Sliding Scale Fee
NRC provides an optional sliding scale fee (SSF) for those with income below $150,000 per year. Those with income below $75,000 per year are eligible for a further discount. NRC determines the SSF by the client’s total household income before taxes. Total income includes all forms of income and assistance (financial, retirement, housing, interest, alimony, etc.). For relationship counseling, when unmarried clients are living separately, NRC determines the SSF by whoever has the highest income. The client is responsible for notifying NRC of any permanent changes in income. The sliding scale doesn’t apply when a client is attending counseling for legal reasons.
Payment is Due at the Time of Service
Payment in full of the agreed upon fee is due by the end of each session. For online or phone services, payment is expected before service is provided until the client establishes a favorable payment history. Payment can be made in person by cash, check, or credit/debit bank card. NRC does not keep cash on hand to make change.
There is a $30 fee for returned checks. This does not include any charges by your bank or any collection fees. Further appointments might not be scheduled until the balance is paid in full. Counseling might be terminated for failure to pay.
Payment Required for Missed or Cancelled Appointments
Appointments are reserved specifically for you. As a courtesy to your counselor and others who might want your appointment time, let your counselor know if you are unable to keep your appointment. If you do not notify by phone before 10 am the business day before your appointment (i.e. Friday when your appointment is Monday), you must pay the fee for the time you scheduled. Exceptions are limited to an act of God concerning you, your spouse, or your children (illness, death, car accident, severe weather emergency). Difficulties related to work or obtaining a baby-sister do not count as acts of God. Schedule your appointment when responsibilities (work, children, etc.) will not interfere. If you miss your appointment without notification or develop a pattern of canceling you may be asked to pre-pay future sessions or service may not be provided.
Can I use my HSA or FSA?
Yes! Health Savings Accounts or Flexible Spending Accounts are an excellent way to pay for our services using non-taxed money. Our clients have successfully used HSA or FSA money to pay for counseling. NRC’s Merchant Category Code (MCC) is 7277 Debt, Marriage, Personal-Counseling Service. To directly use your debit card your bank must accept this MCC. Otherwise, you can pay with a check or personal credit card and seek reimbursement for the medical expense. We can provide a receipt so you can make a claim.
Use of Health Accounts and Insurance
Clients with HSA, FSA, or insurance can pay NRC directly and submit a receipt to their bank or insurance for reimbursement. Upon your request, NRC will supply you with a receipt detailing your expense. NRC will do this free of charge once for every six (6) paid sessions or once a month.
Benefits of Self-Pay
Clients who pay directly for their counseling gain the following benefits:
- You gain confidentiality and privacy. Using insurance creates a paper trail and your insurance company has the right to review your clinical records.
- You get to choose the right counselor for your personal concerns.
- You do not need to worry about whether further sessions will be approved (you are in charge, not the insurance company).
- You will likely feel more responsible and invested in the counseling process and might even see results quicker due to increased motivation.
Fees are subject to increase on a yearly basis. NRC will give established clients at least three (3) months’ notice of any increase.