fees and insurance
fees
Individual client counseling/therapy session fee for 50 minutes is $130.00
Individual client intake assessment/diagnostic evaluation fee for 90 minutes is $200.00
Professional clinical consultation for 60 minutes fee is $80.00
Individual LPC-A clinical supervision for 60 minutes fee is $65.00
Group LPC-A clinical supervision for 120 minutes fee is $50.00
CANCELLATION POLICY:
The charge for same-day cancellations is 100% of your session fee. The charge for failure to keep an appointment without 24-hour notification is 100% of your session fee. To avoid this fee, please cancel your appointment at least 24 hours before the appointment day.
Veterans can get a VA referral for counseling/therapy to schedule an appointment with us
Insurance
Accepted Payments
We accept payment via cash, check, debit or credit card, HSA or FSA card, Venmo, Zelle, etc., and also via a PayPal invoice that you will receive after each session via email to be paid upon receipt.
Finding a therapist who takes your insurance can be nearly impossible. Here's why.
Click here for 7 minute listen
Although federal law requires insurers to provide the same access to mental and physical health care, these companies have been caught, time and again, shortchanging customers with mental illness — restricting coverage and delaying or denying treatment.
There are nowhere near enough available therapists in insurance networks to serve all of the people seeking care. And although almost all Americans are insured, about half of people with mental illness are unable to access treatment.
It is often the insurers, not the therapists, that determine who can get treatment, what kind they can get, and for how long. More than a dozen therapists said insurers urged them to reduce care when their patients were on the brink of harm, including suicide.
All the while, mental health providers struggled to stay in business as insurers withheld reimbursements that sometimes came months late. Some spent hours a week chasing down the meager payments, listening to hold music, and sending faxes into the abyss.
Insurers frequently interfere with patient care. In addition to cutting off therapy, they are pressuring providers to cap the length of their sessions to 45 minutes, even when the patients require more time. Therapists told us that they have seen their patients sink deeper into depression, suffer worsening panic attacks, and wind up in emergency rooms after insurers refused to cover treatment.
August 25, 20247:00 AM ET
Heard on Weekend Edition Sunday
By Annie Waldman, Maya Miller, Max Blau, Duaa Eldeib, Rhitu Chatterjee
Health Savings Account (HSA), Out-of-network Billing, private pay, and insurance
Health Savings Account (HS):
Clients may choose to pay for services through their eligible Health Savings Account (HSA).
Out of Network (OON) Billing:
Summerville Women’s Mental Health Services (SWMHS) is considered Out-Of-Network (OON) by some insurance companies, however, we can provide a Super Bill (a receipt for services) for you to submit to your insurance company for possible reimbursement. As an Out-Of-Network (OON) provider for insurance companies, your insurance company often reimburses services at rates that differ based on your benefits package or insurance plan. Please get in touch with your insurer or visit their website to verify your level of mental health coverage. We are happy to provide you with a detailed statement after each paid session, which you may submit to your insurance company for reimbursement. Payment is expected directly to us after each session first.
Please contact your insurance company directly to determine your Out-Of-Network (OON) coverage for outpatient therapy. Below are helpful questions to ask your insurance provider to determine your Out-Of-Network (OON) benefits:
Do I need a referral from my primary care physician to see a mental health professional?
Do I need pre-approval from my insurance company before I can see a mental health professional?
What is my coverage for out-of-network providers?
What is my yearly maximum benefit (dollar amount or number of visits)?
Is there a deductible?
Mentaya:
We have partnered with Mentaya, a service that streamlines getting reimbursed for your counseling/therapy sessions through Out-Of-Network (OON) benefits.
Mentaya is perfect if you:
• Have Out-Of-Network benefits
• Feel overwhelmed by superbills and insurance
• Have submitted superbills but failed to get any reimbursement
• Simply want to skip the hassle of paperwork!
Here's how it works:
1. Sign up for Mentaya: https://mentaya.com/inviteclient/Oj86YuJfQr4m49BWKUM0
2. Our practice will enter your sessions into the platform.
3. Mentaya submits the claim and handles any insurance follow-up.
4. You get reimbursed by insurance!
Mentaya charges a 5% fee per claim, which includes handling any paperwork required, dealing with denials, and calling insurance companies.
It's risk-free: They guarantee claims are successfully submitted, or a full refund of their fees.
Private Pay:
We welcome private pay clients who either do not have insurance or do not want to use their insurance. You will receive an invoice after each session to be paid upon receipt.
Insurance:
I accept clients virtually or in person via SonderMind with the following insurance in South Carolina:
Aetna
Aetna Allied Benefit System
Aetna Gravie
Aetna Meritain
Aetna WebTPA
Decent Health
Optum VA
Optum/United-EAP
Prime Health
United All Savers
United GEHA/Shared Services
United Healthcare Golden Rule
United Oxford
United Student Resources
United Surest
United UMR
Unity
Velocity
Find me on SonderMind at
https://www.sondermind.com/providers/45euu0mo/xiomara-sosa
I accept clients virtually via Talkspace with the following insurance in South Carolina:
Aetna
Beacon/Carelon
Cigna
Medicare
Optum
Premera
Regence
TRICARE East/Humana Military
Find me on Talkspace at
https://www.talkspace.com/therapists/profile/xiomara-sosa-3641531
Good Faith Estimate Notice
You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost.
Under the law, healthcare providers need to give patients 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.
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, visit www.cms.gov/nosurprises.