Debora J. Hayden, MSW, LCSW

Individual, Marital, and Family Therapy
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FAQ
 

 

  • Will my insurance cover the cost of therapy sessions?
  • Do I have to use my insurance benefits even if they cover the services?
  • What is EAP?
  • What if I do not keep a scheduled appointment?
  • May I use my insurance for couple/marital therapy sessions?



Q: Will my insurance cover the cost of therapy sessions?
 
A: I am a provider for a variety of insurance carriers.  You will need to confirm my participation with your insurance company and obtain a treatment authorization number if required.  My office will submit all billing claims and updated treatment plans.  You are responsible for your copay at each session.  

Q: Do I have to use my insurance benefits even if they cover the services? 
 
A:  No.  By paying "out of pocket", you and I have more flexibility regarding your treatment.  Some insurance plans require extensive private information to determine "medical necessity for on-going treatment" andother companies will not cover couples/marital therapy without a diagnosis being assigned to the "primary patient".

Q: What is EAP?
 
A: Employee Assistance Programs offer a variety of services to employees and family members experiencing personal difficulties.  As an affiliate for a number of companies in the Saint Louis region I provide assessment and  brief, solution focused interventions to address a variety of issues.  The number of sessions available to the employee is predetermined by the employer and often at no cost to the employee.

Q: What happens if I do not keep a scheduled appointment?
 
A: 24-hour notice is requested if you are unable to keep a scheduled appointment.  There may be times when circumstances beyond your control occur that may prevent you from coming in, such as
illness, lack of transportation, or a scheduling conflict. A $50.00 missed appointment fee is charged after the first late cancellation or no-show appointment.    

Q: May I use my insurance for couple/marital therapy sessions?

 

A: In order to bill an insurance company a diagnosis must be given.  Due to the nature of couple/marital therapy neither partner is given a diagnosis.  Consequently couple/marital sessions are an out-of-pocket expense.