Fee Structure

When we speak, the presenting problems will be briefly discussed along with the fee structure. Generally, individuals either pay privately for therapy or pay through their insurance. Both are valid options that can be discussed before services are rendered.

Insurance vs. Private Pay?

If you choose to utilize your insurance benefits, there are some things that you need to know in order to be an informed consumer. Please be aware that in order for your therapy to be submitted to and covered by your insurance provider, you must meet the criteria for a mental health disorder, and you must be given a mental health disorder diagnosis. You may wish to use the private pay option since diagnosis is not required and it is not necessary to submit information to a third party. In other words, paying privately allows you to seek counseling without a diagnosis, and what you discuss within therapy stays between you and your therapist. This may appeal to some.

If you decide that submitting to insurance is your best option, I will assist you in that process. I am in-network with Anthem Blue Cross/Blue Shield and Missouri HealthLink PPO insurances. If I am not in-network with your insurance, I will talk to you about out-of-network benefits, private pay options, or referring you to another therapist. Once I have your insurance information after you complete my paperwork online, I will provide you with a quote on your mental health benefits, including:​

  • amount of co-pay,

  • if applicable, number of visits allowed by your insurance carrier per year

  • whether or not you have a deductible that must be met and what your coinsurance is after the deductible has been met

Please understand that this is a quote and it is not a guarantee of coverage. I encourage you to also call your insurance company for a quote on coverage. You are ultimately responsible for what your insurance does not cover. 

Phone: (314) 474-6002  Fax: (314) 282-9878

sarah@steppingstonestl.com

©2019 by Stepping Stone Counseling, LLC