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Insurance and Fees

If you are not using insurance and would prefer to be billed directly, our fee is $175 per appointment.

If you are using insurance, we are in-network with:

  • CareFirst/BCBS

  • Cigna

  • Johns Hopkins EHP and USFHP

  • Medicaid

  • Medicare

Some of our providers are able to accept different insurance plans than others, but everyone at Stone Soup Counseling is in-network with CareFirst and Johns Hopkins plans.

In-network providers have been approved by your insurance company and would be covered by your insurance plan as dictated by your particular benefits.

Every insurance plan is different; the cost to you per appointment depends on what your particular insurance offers and we cannot determine this without checking your specific benefits. Even if your insurance is through the same company as another client, you might see a different cost based on different plan benefits.

If we are not in-network with your insurance, you may still have out-of-network coverage. This means that your insurance company does not consider us a preferred provider but may, in some cases, still offer some degree of coverage for appointments.

If you are using insurance, we will bill your insurance company directly and you would pay the difference. We cannot charge you a different amount than indicated by your insurance. We will let you know the amount once we have checked your benefits, in advance of your first appointment.

Some helpful insurance terms to understand:

Deductible - This is the total amount you would need to pay in medical costs before your insurance plan begins to cover a particular type of care.

Copay - This is a set amount that you would pay per appointment, for a particular type of care. This could be different for a visit to your primary care physician than it is for mental health appointments. A deductible could apply.

Co-insurance - In this case, your insurance company covers a percentage of the cost and you are available for the remainder -- example: they pay 80% and you pay 20%. A deductible could apply.

Out-of-pocket (OOP) maximum - If you reach this total, either through copays or co-insurance, your insurance company will cover your total costs for the remainder of year. This could be a calendar year, or could be set specifically by insurance enrollment periods for your plan.

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