JANE MCCAMPBELL, PTSD THERAPIST RATES & PAYMENT PAGE
Rates
Regular fee: $110 per 50-minute session.
A sliding scale discount is available for students, those on low incomes and those not using insurance due to high deductibles.
Insurance
Jane is in network with HealthPartners although co-pays vary significantly according to the specifics of each client's plan. Other insurance companies cover services on an out-of-network basis. You will need to pay the full session fee and receive reimbursement from your insurer. Jane will submit all the forms to your insurance company if you provide her with a copy of your insurance card. See below for information on working with insurance and questions to ask of your insurance provider.
Please note that Jane does not accept MinnesotaCare or Medical Assistance.
FSA and HSA Arrangements
If you are not using insurance, you may be able to fund your therapy through your Flexible Spending Account (FSA) or Health Savings Account (HSA). If you will be using such an arrangement, please speak with Jane to ensure you receive the necessary invoices you need.
Sliding Scale Discounts
If you do not have insurance or if you choose not to use insurance because of a high deductible, you may qualify for a sliding scale discount. Discounts are available for those on lower incomes who are seeking individual therapy and can make a daytime appointment before 4pm. Please be aware that discounted (sliding scale) payments cannot by law be combined with insurance submissions or applied to a deductible. Call Jane on 612 414 0383 or send an email through the Appointments & Contact page to find out about how sliding scale discounts may apply to your situation.
Finally, please understand that Jane is only able to offer sliding scale discounts because the majority of clients respectfully make payments on the same day of their service. Clients who cancel less than one business day before their first session, or who fail to make a same-day payment on two consecutive occasions, will no longer be eligible to receive the sliding scale discount. Please familiarize yourself with the Sliding Scale Policy as you will need to indicate your agreement with it.
Payment terms
Payment is required at the time of the session by cash or check. You can also pre-pay by credit card through this website, but please arrange this with Jane before doing so. Because credit card facilities are not available at either office, you will need to complete the payment online before your appointment and bring the receipt with you in lieu of cash or check. Note that because of the fees incurred with this service, this option is intended for clients paying the full rate for a session or those using a designated HSA credit card. If you are benefitting from a sliding scale arrangement, you will need to add a $2.75 fee to the cost of the session if you choose to pay by credit card.
No-Show and Cancellation Policy
Unless there is an unavoidable emergency (eg: car accident, hospitalization, house fire) and you fail to show for a scheduled appointment or cancel within 24 hours/less than one business day, you will be charged the full fee for the session. No-show and cancellation fees are not reimbursable. Note that "one business day" means that cancellations for Monday appointments must be received by 3pm on the preceding Friday.
Working with Insurance
As a general rule, health insurance companies will only pay for therapy if there is a diagnosable clinical condition (eg: Dysthymic Disorder, Generalized Anxiety Disorder, PTSD, etc.). Please note that couples therapy - where the relationship is the focus of the therapy - is NOT typically covered by insurance unless one of the partners has a clinical diagnosis that is to be treated as part of the couples therapy. The therapist's diagnosis must submitted to the insurance company before they will determine whether or not they will pay for treatment. Insurance companies also have the right to periodically review progress and ask about any shifts in treatment-focus to determine whether they will continue to pay for therapy.
Therapists (such as Jane) who work mainly on an out-of-network basis must still make a diagnosis, create a treatment plan and keep regular progress notes - which you, as the client, can request details of. If you are not using insurance, however, you do not have to meet criteria for a clinical diagnosis to receive therapy, and you have much more flexibility in choosing the issues you would like to be the focus of therapy. This means that you can bring any issues with which you are grappling, whether relational, sexual, spiritual, cultural, work/career-related, bereavement-related or whatever else may be concerning you.
Whether or not you use insurance, your information and therapy records are heavily protected by both Federal and State laws to ensure your privacy. All medical and mental health providers and health insurance companies are strictly bound by the laws of confidentiality. See Jane's Notice of Privacy Practices which explains how your personal health information can be used and with whom it may be shared.
Questions to ask your insurance provider
If you are intending to have your therapy reimbursed through insurance, the following questions may help in your conversation with your provider:
- Do I have mental health benefits?
- Do I have out-of-network benefits?
- Do I have a deductible for out-of-network coverage and how much is it?
- What percentage of out-of-network charges are reimbursed once the deductible has been met?
- Is there a limit on the number of sessions my plan covers in a year?
- How do I obtain reimbursement for therapy with an out-of-network provider?
- Is a referral required from my primary care physician?
Any other questions?
Please call Jane on 612 414 0383 or click here to send an email through this website.
© 2012, Jane McCampbell, MA, LMFT
Sliding Scale Fee Marriage Therapist and EMDR Counselor
Jane McCampbell Counseling Services, LLC,
Minneapolis and Saint Paul, MN
Jane McCampbell Counseling Services, LLC Baker Court, 821 Raymond Avenue, Suite 325, St Paul, MN 55114 Tel: 612 414 0383
