Pricing & Payment Info
Therapy in Chesapeake & Virginia Beach
Insurance
Turning Point Counseling & Consulting offers affordable therapy in Chesapeake and Virginia Beach, as well as online. We currently work with the following insurance plans:
In-Network: Aetna, BlueCross and BlueShield/Anthem, Cigna, Magellan, Medicare, Military OneSource, Optima, and United Health Care.
Out-of-Network: TRICARE
We also accept various Employee Assistance Programs (EAP). If you don’t see your plan listed, please feel free to contact us for more information.
Fees
Intake & Session Pricing:
$170 for intakes with a licensed provider
$150 for sessions with a licensed provider
$110 for intakes with a provisionally licensed provider
$100 for sessions with a provisionally licensed provider
Accepted Payment Methods: American Express, Discover, Cash, Check, Health Savings Account (HSA), Mastercard, Visa
Insurance & Payment FAQs
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Yes, we accept a variety of insurance plans. Please contact us to verify if your specific plan is covered.
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We recommend contacting your insurance provider directly to confirm your benefits. Be sure to ask about coverage for mental health services, co-pays, deductibles, and the number of sessions covered.
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Absolutely. Our office can provide the necessary documentation, such as receipts or superbills, to assist you in filing claims with your insurance company.
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If your insurance doesn’t cover therapy, or you choose not to use insurance, we offer competitive private pay rates. Reach out to discuss our payment options.
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Yes, we can work with out-of-network plans. Many clients are eligible for partial reimbursement through their out-of-network benefits. We’ll provide you with detailed documentation to submit to your insurance provider.
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We accept payment via credit cards, debit cards, health savings accounts (HSAs) and other convenient methods. Payment is typically due at the time of your session.
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We understand financial situations vary and offer sliding scale fees based on availability. Please contact us for more details.
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If your insurance denies a claim, you will be responsible for the session fee. We are happy to assist you in understanding the denial and appealing it if applicable.
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If you need to cancel or reschedule, please provide at least 24 hours notice to avoid a $130 fee. We understand that unforeseen circumstances can arise, and in some cases, this fee may be waived at our discretion.
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Contact us to schedule a consultation, and we’ll guide you through the process of verifying your insurance benefits and understanding your payment options.
If you have further questions about pricing, payments or insurance for therapy in Chesapeake and Virginia Beach, don’t hesitate to reach out! We’re here to help make the process as smooth as possible for you.
Good Faith Estimate
Notice to Clients & Prospective Clients:
Under the law, health care providers need to give clients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services.
You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service, or at any time during treatment.
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, or how to dispute a bill, see your Estimate, or visit www.cms.gov/nosurprises.
No Surprise Act
Your Rights and Protections Against Surprise Medical Bills
When you get emergency care or are treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from balance billing. In these cases, you shouldn’t be charged more than your plan’s copayments, coinsurance and/or deductible.
What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have additional costs or must pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.
“Out-of-network” means providers and facilities that haven’t signed a contract with your health plan to provide services. Out-of-network providers may be allowed to bill you for the difference between what your plan pays and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your plan’s deductible or annual out-of-pocket limit.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider. Surprise medical bills could cost thousands of dollars depending on the procedure or service.
You are protected from balance billing for:
Emergency services
If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most they can bill you is your plan’s in-network cost-sharing amount (such as copayments, coinsurance, and deductibles). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition unless you give written consent and give up your protections not to be balanced billed for these post stabilization services.
Certain services at an in-network hospital or ambulatory surgical center
When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers can bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed. If you get other types of services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections. You’re never required to give up your protections from balance billing. You also aren’t required to get out-of-network care. You can choose a provider or facility in your plan’s network. When balance billing isn’t allowed, you also have these protections: • You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in network). Your health plan will pay any additional costs to out-of-network providers and facilities directly. • Generally, your health plan must: o Cover emergency services without requiring you to get approval for services in advance (also known as “prior authorization”). o Cover emergency services by out-of-network providers. o Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits. Count any amount you pay for emergency services or out-of-network services toward your in-network deductible and out-of-pocket limit.
If you believe you’ve been wrongly billed, contact 1-800-985-3059.
Visit www.cms.gov/nosurprises/consumers for more information about your rights under federal law.