Fees and insurance
What counseling costs, explained plainly.
Money is a fair thing to ask about before you start. Here is how payment works at Stillwaters, and what to do if cost is what is standing in the way.
Insurance
We work with Blue Cross Blue Shield of Mississippi, Aetna, UnitedHealthcare or UMR, and Fox Everett. Participation varies by clinician and by plan, so call us and we will confirm your benefits before your first session.
Participation varies by clinician and by plan, so the surest path is to call us. Tell our intake coordinator which plan you have and we will tell you which of our therapists are in network with it, then factor that into your match.
A simple way to clarify your options
- 1
Reach out. Tell us whether you plan to use insurance, self-pay, or are not yet sure.
- 2
Confirm the match. We identify therapists who fit clinically and tell you what payment options are available with each of them.
- 3
Verify your benefits. Contact your insurer with the therapist's name and credential before relying on any estimate of coverage.
A note about estimates. We can explain our fees and share what your plan tells us, but an estimate is not a guarantee of payment. Clients remain responsible for charges their insurance does not cover.
Paying without insurance
Some clients prefer to pay directly. It keeps a diagnosis out of your insurance record and removes any question of a plan limiting the number or type of sessions.
Call 601-707-5550 and we will tell you the current self-pay rate.
Sliding scale
If your insurance does not cover mental health, or you would rather not use insurance, we offer a sliding hourly rate based on total household income. Call 601-707-5550 and we will tell you what your rate would be.
Good Faith Estimate
If you do not have insurance, or you are not using insurance to pay for counseling, you have the right to a Good Faith Estimate explaining how much your care will cost.
Under federal law, health care providers must give people who are uninsured or self-pay an estimate of the expected charges for services. You have the right to receive one in writing at least one business day before your first appointment, and you can ask for one at any time before you schedule.
We send a Good Faith Estimate to every uninsured and self-pay client when the appointment is booked. If your needs change during treatment, we will give you an updated one.
If you are billed for more than your Good Faith Estimate, you have the right to dispute the bill. To learn more, visit www.cms.gov/nosurprises or call 800-985-3059.
Cancellation policy
We ask for 24 hours' notice to cancel or reschedule. That lets us offer the time to someone else who needs it.
If you cancel late or miss a session, you may be responsible for the full session fee. Fees are based on the full session rate rather than your copay, and insurance does not cover them.
Two things worth knowing. If you reschedule within the same week, before your original appointment time, the fee is waived. And if getting to the office is what is making it hard, ask about moving that session to telehealth rather than cancelling.
If something unexpected comes up, call us and talk to us.