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Keenan CrowleyRegistered Mental Health Counseling Intern, National Certified Counselor

For Clients

Private Pay & Out-of-Network Insurance

Counseling services are offered on a private-pay, out-of-network basis. Private-pay clients may also be able to use out-of-network insurance benefits to receive partial reimbursement for counseling services. Out-of-network coverage depends on the client's specific insurance plan.

In-network insurance

HeartBonds Counseling accepts these insurers.

HeartBonds Counseling currently accepts the following insurance companies. Accepting an insurance company does not guarantee that a particular plan or provider is in network or that counseling will be covered. Coverage, eligibility, copays, deductibles, prior authorization requirements, claim approval, and reimbursement vary by individual plan. Verify your individual benefits before relying on insurance coverage.

Aetna
Blue Cross Blue Shield
Cigna

Couples and family therapy is offered on a self-pay basis only and is not submitted to insurance.

Payment

Private pay & payment options.

Private-pay counseling is available. Payment is accepted by credit card, debit card, HSA, check, or cash.

Pay online
Individual counseling$150 / 60 min
Child & teen counseling$150 / session
Parent consultation$150 / session
Couples & family therapy$200 / 90 min (self-pay only)
Telehealth$150 / session
Initial consultationFree

Billing & insurance questions

Who to contact.

For billing, insurance, and claims questions, please contact the appropriate person at HeartBonds Counseling directly.

Insurance Plans

Which Insurance Plans May Have Out-of-Network Benefits?

Having insurance through Blue Cross Blue Shield, Aetna, Cigna, UnitedHealthcare, or another major insurance company does not automatically mean your plan includes out-of-network benefits. Two people can have insurance through the same company and have completely different benefits depending on their specific insurance plan.

Plans that commonly include out-of-network benefits

  • PPO (Preferred Provider Organization) plans
  • POS (Point of Service) plans
  • Some indemnity or fee-for-service plans

Plans that generally do not include routine out-of-network benefits

  • HMO plans
  • EPO plans

Before You Begin

What Should I Ask My Insurance Company?

When contacting your insurance company, ask:

"Does my plan include outpatient behavioral health or mental health out-of-network benefits?"

If your plan includes out-of-network benefits, you may also want to ask about:

  • Your out-of-network deductible
  • Your coinsurance percentage
  • The insurance company's allowed amount for counseling services
  • Behavioral health or mental health coverage
  • Prior authorization requirements
  • Whether you need to submit a superbill or claim form

Key Terms

Words Worth Knowing

Provider Fee

The provider fee is your clinician's full session rate.

Allowed Amount

The allowed amount is the amount your insurance company recognizes for a covered service. Insurance reimbursement is generally calculated based on the insurer's allowed amount, which may be lower than the provider's full session fee.

Deductible

Your deductible is the amount you are responsible for paying before insurance begins reimbursing eligible out-of-network services. If your deductible has not been met, an approved claim may be applied toward your deductible and still result in $0 reimbursement.

Coinsurance

Coinsurance is the percentage of the insurer's allowed amount that you are responsible for after your deductible has been met.

Benefits Check

Check Your Out-of-Network Benefits

Use the benefits checker below to see whether your insurance plan may include out-of-network mental health benefits.

If you have an HMO or EPO plan, your plan may not include out-of-network benefits. If there are no out-of-network benefits, your insurance company generally will not reimburse counseling services received from an out-of-network provider.

If you have a PPO, POS, or another plan with out-of-network benefits, you may be eligible for partial reimbursement depending on your deductible, coinsurance, allowed amount, and other plan requirements.

Third-party tool notice: The benefits checker below is provided by Thrizer, an independent service. When you use this tool, your information is submitted directly to Thrizer and is governed by Thrizer's Privacy Policy. HeartBonds Counseling does not receive or store the information you enter into this tool.

Verification of insurance benefits is not a guarantee of payment or reimbursement. Coverage, deductibles, reimbursement amounts, allowed amounts, coinsurance, and authorization requirements are determined by the client's individual insurance plan and insurance company.

Documentation or superbills can be provided when appropriate. Insurance reimbursement cannot be guaranteed.

Schedule an appointment Contact Keenan

Estimates

Why Estimates Can Change

Before a claim is processed, Thrizer estimates the allowed amount and potential reimbursement using available insurance benefit information.

After your insurance company processes an actual claim, Thrizer may update future estimates based on the insurer's actual allowed amount and claim decision.

Because of this, the amount you ultimately receive may differ from the original estimate.

Claim Outcomes

Approved Does Not Always Mean Reimbursed

An insurance claim can be approved and still result in $0 reimbursement if the allowed amount is applied toward your deductible. Claim outcomes generally fall into three categories:

Reimbursed

Your insurance company pays part of the allowed amount.

Applied to deductible

Your insurer approves the claim but applies the allowed amount toward your deductible instead of issuing reimbursement.

Denied

Your insurer does not issue reimbursement or deductible credit.

Reimbursement

Who Receives the Reimbursement?

Where reimbursement is sent depends on the Thrizer payment option used for the session.

OON Pay

With OON Pay, reimbursement is generally sent to you. Some insurance companies may mail a reimbursement check directly to you instead of sending the reimbursement through Thrizer. If Thrizer sends reimbursement directly to you, you should add a reimbursement bank account so Thrizer knows where to deposit the funds.

Thrizer Pay

With Thrizer Pay, reimbursement is sent to Thrizer because Thrizer has already advanced part of the session fee to your clinician.

Deductibles

Does Thrizer Track My Deductible Progress?

Thrizer does not automatically maintain a running deductible balance across all of your claims. Benefit checks estimate your deductible status based on the information available at the time the benefit check is performed. Your insurance company ultimately determines how each claim is applied toward your deductible.

If additional claims have been processed and you want updated deductible information, you may contact Thrizer support and request a manual benefit recheck. For the most current deductible balance, contact your insurance company directly.

Why a Claim May Not Appear to Count Toward Your Deductible

Your insurance company determines how the allowed amount from each claim is applied. Common reasons an out-of-network claim may not appear to reduce your deductible include:

  • The claim is still being processed.
  • The claim was denied.
  • The insurer's allowed amount is lower than the clinician's full session fee.
  • Your insurance plan has a separate out-of-network deductible.
  • Your insurance company's deductible records have not yet updated.

Deductible credit is generally based on the insurer's allowed amount rather than the full amount charged by your clinician. If a claim has finished processing and you still have questions about how it was applied, contact your insurance company directly — they determine the final deductible application.

Timeline

Claims Processing Timeline

Insurance claims commonly take several weeks to process. The insurance company controls the actual claim-processing timeline, so reimbursement timing cannot be guaranteed.

Important

Insurance Disclaimer

All insurance benefit information and reimbursement amounts shown through Thrizer are estimates only and are not guarantees of coverage or payment. Your insurance company makes the final determination regarding:

  • Covered services
  • Allowed amounts
  • Deductible application
  • Coinsurance
  • Claim approval or denial
  • Reimbursement amounts
  • Claim-processing timelines

Clients remain responsible for all charges for services received regardless of insurance reimbursement.

Resources

Learn More About Out-of-Network Benefits

Thrizer provides educational resources to help you understand how out-of-network insurance works.

Check My Insurance Benefits

Administrative services

Appointment Verification & Administrative Documentation

$100 per item/task — Self-Pay

Written documentation may confirm the date and time of a behavioral health appointment, including documentation of an excused absence or tardiness for work or school. Basic administrative documentation does not include clinical recommendations or functional limitations.

Additional letters, forms, or reports requested for purposes outside of counseling are $100 per item/task due to the time required for preparation. Examples may include letters for probation officers or attorneys, FMLA paperwork, disability forms, or other external documentation requests.

Requests requiring information beyond basic administrative verification are subject to Keenan's review. Payment does not guarantee that every requested document, statement, form, or opinion can or will be provided. This service is self-pay and is not billed to insurance.

Legal involvement

Court Appearance & Legal Involvement

$500/hour — 2-hour minimumSelf-Pay Only

Keenan Crowley, RMHCI, is a Registered Mental Health Counselor Intern. His involvement in legal matters remains within the appropriate boundaries of his treatment role, professional competence, supervision requirements, applicable law, and professional obligations.

Court-related and legal services are billed at $500 per hour with a mandatory two-hour minimum. A non-refundable $1,000 minimum prepayment is required at least 48 hours before an accepted and scheduled court appearance, hearing, deposition, legal meeting, or other agreed legal involvement. Additional legal-related time is billed at $500 per hour in one-hour increments.

What may be billed

  • Treatment-record or document review
  • Preparation of appropriate treatment summaries or timelines
  • Authorized attorney or legal-party communication
  • Subpoena or court-order response
  • Preparation for testimony
  • Travel and waiting time
  • Virtual or in-person appearances
  • Testimony
  • Required follow-up documentation

Professional boundaries

Keenan does not provide legal advice, custody recommendations, parenting-time recommendations, parental-fitness opinions, advocacy for either party, legal-outcome predictions, or opinions outside the appropriate scope of his professional role.

Legal requests must be reviewed before services are accepted. Payment, a client or attorney request, or receipt of a subpoena does not by itself guarantee participation, disclosure, testimony, or a requested professional opinion.

Charges may apply to completed legal-related preparation and services even when Keenan ultimately does not testify. Confidential information will be handled according to applicable authorization, legal requirements, professional obligations, and supervision requirements.

A Note on Insurance

Why We Don't Accept Insurance Directly

Choosing to work outside of insurance panels is a deliberate decision — one made in the interest of the people I serve. Here's what that means in practice, and why it matters.

A diagnosis follows you

Insurance companies require a clinical diagnosis before they will reimburse for therapy. That diagnosis becomes part of your permanent medical record. For some people this is inconsequential. For others — those who are self-employed, who may need to purchase their own coverage, or who hold professional clearances — a mental health diagnosis on record can affect future insurance eligibility and premiums in ways that outweigh the short-term savings.

Your records are not fully private

When you use insurance to pay for therapy, you authorize your insurer to audit your clinical records. Claims specialists — not mental health professionals — may review the details of your treatment. If confidentiality matters to you, this is worth understanding before you file a claim.

Insurance shapes your care

In-network providers are accountable to the insurer's treatment criteria, not solely to you. Session limits, required treatment plans, and coverage decisions are made by people who have never met you. Working privately means your care is guided by what you actually need — not by what a plan administrator approves.

Out-of-network reimbursement may still be an option

If your plan includes out-of-network mental health benefits, you may be eligible for partial reimbursement even when working with a private-pay provider. I'm glad to provide the documentation you need to submit a claim. Use the benefits checker above to see what your plan may cover, and call your insurance company to confirm your specific benefits before scheduling.