PLANNING FOR CARE
Insurance Overview
When your child is struggling, it’s not just one more thing on your list—it’s everything.
At Missions Counseling & Play Therapy, services are offered on a private pay basis. This allows care to stay fully focused on your child without limitations from insurance companies or outside requirements.
If it’s helpful, a superbill can be provided for you to submit to your insurance for possible reimbursement. My goal is to keep the process simple and supportive, so your energy can stay where it matters most - with your child.
Out-of-Network Benefits
You may still access care using your out-of-network benefits. This option allows you to select the best specialized care for your child while receiving partial reimbursement of fees.
Contact your insurer's member services to confirm your out-of-network mental health coverage.
Ask whether you have an out-of-network deductible that must be met first.
We can provide a "Superbill" containing all required diagnostic and billing codes.
Many insurers allow easy Superbill submission via their online portals or mobile applications.
Billing & Payment Policies
Payment Options
We accept a variety of flexible payment methods to ensure therapy is accessible for your family:
- Major Credit and Debit Cards
- Health Savings Account (HSA)
- Flexible Spending Account (FSA)
Billing
For child counseling services, fees are collected the day of your appointment. Your receipts and invoices are available for download in our portal, providing clear documentation for your records or insurance claims.
Attendance Policy
Consistency is key in play therapy. We require at least 24 hours' notice for cancellations to allow other families to utilize the session time. Missed sessions or late cancellations are subject to a service fee.
Good Faith Estimate
We believe in full financial transparency. In compliance with the No Surprises Act, we provide a 'Good Faith Estimate' of session costs before your child's treatment begins, so there are never any unexpected charges.
Insurance FAQs
How do I know if my insurance covers play therapy?
The best way to determine your coverage is to call the member services number on the back of your insurance card. Specifically, ask about 'Out-of-Network' benefits for outpatient mental health services (CPT code 90837 and 90834). Every policy is different, and they can provide details on your specific reimbursement rate.
What is the difference between a co-pay and a deductible?
A deductible is the total amount you must pay out-of-pocket for covered health care services before your insurance plan begins to pay. A co-pay is a fixed amount (for example, $30) you pay for a covered health care service after you've paid your deductible. ** Note that for out-of-network providers, you typically pay the full fee upfront and receive reimbursement later.**
How do I submit claims for out-of-network reimbursement?
At the end of each month, Missions Counseling & Play Therapy can provide you with a 'Superbill.' This document contains all the information insurance companies require, including provider details and procedure codes. You can then upload this PDF to your insurance company's member portal or mail it in to request direct reimbursement.
What billing policies should I be aware of?
Payment is due at the time of your child's session. We require a credit card to be kept securely on file, which will be charged on the day of service. Please note our 24-hour cancellation policy: sessions cancelled with less than 24 hours notice will be subject to a $50 fee.