954-539-0456
Payment Options
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Private Pay
Private-pay therapy offers increased flexibility, confidentiality, and individualized treatment planning. Because services are not processed through insurance, a formal mental health diagnosis may not be required and treatment is not limited by insurance-based session restrictions or medical necessity criteria. Therapy can be tailored to your unique emotional, relational, and therapeutic goals.
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Insurance
Change My Life Therapy works with several insurance networks and billing partners to help increase access to care. Coverage, copays, deductibles, and authorization requirements vary by plan. Insurance eligibility and benefits will be verified prior to beginning services when applicable.
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Out-of-Network Reimbursement (Superbills Available)
Some clients may choose to utilize out-of-network benefits for therapy services. Upon request, a superbill can be provided for clients to independently submit to their insurance provider for potential reimbursement. Reimbursement rates vary depending on your specific plan and out-of-network mental health benefits.
Insurance Accepted
Private Paying Clients
All major credit cards, cash, and check. Before our first session, clients must leave a credit card on file. Your card will be charged after each session unless otherwise discussed. Private paying clients will receive an invoice via email after each session. I can provide you (the client) with a superbill upon request, which you can turn in to your insurance provider. Depending on your current health insurance provider or employee benefit plan, some services may be covered in full or in part. Please contact your provider to verify how your plan compensates you for psychotherapy services.
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Cancellation Policy
It is clearly understood that unexpected events can happen, but in order to ensure that each client can be provided with the best possible service, we ask that you please give us at least 24 hours notice if you need to cancel or reschedule your appointment.
We kindly request that you understand that last minute cancellations and missed sessions may have an impact on other clients and our schedule. Therefore, we have a late cancellation and missed session fee policy as follows:
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A 50% fee of the current session fee will be applied for the first late cancellation or missed session.
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For any additional missed or late cancellations, a 100% fee of the current session fee will be applied.
Thank you for your understanding and cooperation.
Good Faith Estimate
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
- You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
- Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
- If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
- Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 800-985-3059.
Policies & resources
Review rules and fact sheets on what No Surprises rules cover, and get additional resources with more information.
Superbill
Superbills are invoices for reimbursements that are provided to clients for out-of-network services. It is a medical receipt that the health plan will accept for processing. A superbill for psychotherapy is an itemized list of sessions and their billing code used by a therapist. This list of sessions then gets submitted to your insurance to determine how much can be reimbursed, from partial to full reimbursement. Full reimbursement paid to you by your insurance company would be the full amount paid out-of-pocket minus any deductible or copay you may have had to pay first.
Insurance Clients
Mental health services may be covered in full or in part by your health insurance or employee benefit plan. Clients are encouraged to verify their mental health benefits, copays, coinsurance responsibilities, deductibles, and authorization requirements prior to beginning services.
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Insurance eligibility and benefits will be verified prior to the first session when applicable. Change My Life Therapy currently works with several insurance networks and billing partners to support accessible care.
Out-of-network options and private-pay services may also be available depending on your plan and clinical needs.
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Insurance Disclosure: Insurance companies typically require a mental health diagnosis for reimbursement of psychotherapy services. Diagnoses become part of your medical record and may impact the level of privacy associated with treatment.
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​​If you’d like to determine your benefits, these are a few questions you can ask your insurance provider:
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Does my health insurance plan include mental health benefits?
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Does my plan cover psychotherapy?
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Do I have a deductible? If so, what is it, and have I met it yet?
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Does my plan limit the amount of sessions I can have in a calendar year? If so, what is the limit?
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Do I need written approval from my primary care physician for services to be covered?
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What is my copay?
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