Fees and Insurance | New Roots Counseling in Frisco, TX

At New Roots Counseling, we are dedicated to providing exceptional care that fits your needs. We understand that navigating the financial aspects of counseling can sometimes feel overwhelming, so we aim to make the process as transparent and straightforward as possible. Below, you’ll find information on out-of-pocket costs and important considerations if you’re thinking about using insurance for your mental health care.

Out of Pocket Costs: 

At New Roots Counseling, we offer a range of self-pay options to accommodate your financial situation while ensuring that you receive the highest quality care.  

Our Self-Pay Rates:

• Licensed Professional Counselor (LPC) Sessions: $125 – $225 per session
• LPC Associate Sessions: $100 – $150 per session
• Play Therapy and Specialized Child Therapy: $125 – $225 per session
• Couples Therapy: $150 – $250 per session
• Family Counseling: $150 – $250 per session

Using Insurance for Counseling in Frisco, TX

At New Roots Counseling, we currently accept several insurance plans, but we encourage you to carefully consider whether using your insurance for mental health care is the best option for you. While insurance can reduce upfront costs, there are important factors to keep in mind before making your decision.

In-Network Insurance Providers:

• United Healthcare (UHC)
• UHC / All Savers
• Aetna

Things to Consider When Using Insurance for Counseling
Most insurance plans now offer some form of mental health coverage, and many employers even provide Employee Assistance Programs (EAP) that include a limited number of “free counseling” sessions. However, before deciding to use your insurance for mental health services, here are some important considerations:

1. Medical Necessity Requirement
Insurance companies require that all mental health treatment be deemed “medically necessary.” This means that therapy must directly address a mental health disorder. In other words, the treatment must align with specific criteria that insurance companies define as medically necessary.

2. Mental Health Diagnosis
In order to use your insurance, your counselor will need to assign a mental health diagnosis that corresponds with the symptoms and challenges you’re facing. This diagnosis will become a part of your medical record and must be shared with your insurance company. For this reason, counseling providers must complete paperwork and submit documentation, which allows your insurance company access to your mental health records, including session notes.

3. The Impact of a Mental Health Diagnosis
While receiving a diagnosis is part of the treatment process, there are potential long-term effects to consider. A mental health diagnosis can impact certain job opportunities and areas of your life, such as:

• Employment Opportunities: Jobs in the government, military, or those requiring security clearances often ask about mental health diagnoses.
• Insurance Applications: When applying for individual health, life, or disability insurance, you may be asked if you’ve been diagnosed with a mental health condition. This could increase your insurance rates or lead to rejection from coverage.
• Future Health Coverage: If you lose your job and need to seek private health insurance, having a mental health diagnosis on record may affect your ability to obtain coverage.
• Children’s Future: A mental health diagnosis for a child can follow them throughout their school years and potentially impact future job opportunities in fields requiring mental health disclosures, like the military or government jobs.

4. Privacy Considerations
When you use insurance for therapy, the insurance company may determine the number of sessions, the length of treatment, and whether additional sessions are approved. Some clients prefer not to involve insurance companies in their mental health care to maintain a higher level of privacy and control over their treatment plan.

Self-Pay Options: Protecting Your Privacy and Flexibility
If you decide not to use insurance, New Roots Counseling offers flexible self-pay rates that range from $125 – $225 per session. This option provides several benefits:

• No Mental Health Diagnosis: You are not required to receive a formal diagnosis, which means your mental health information stays private and confidential.
• Increased Privacy: Your records remain strictly between you and your counselor, with no need to submit session notes or treatment plans to an insurance company.
• More Flexibility: You and your counselor can determine the number of sessions and length of treatment based on your unique needs, without restrictions imposed by your insurance provider.

Choosing self-pay ensures that you have complete control over your mental health care, and it allows us to tailor your treatment specifically to your goals and preferences.

Get Started with New Roots Counseling in Frisco, TX
Whether you’re considering using your insurance or opting for self-pay, our goal is to make high-quality mental health care accessible and stress-free. If you have any questions about our fees, insurance options, or self-pay rates, please don’t hesitate to contact us.

We’re here to help you make the best decision for your mental health and well-being. Contact us today to schedule a session or learn more about our services.