Session Fee and Insurance


We are a private-pay practice.

Payment is expected after each session and is collected through the Simple Practice portal.

Session costs are $85 per 45 minute session.

Sunshine and Hurricane Counseling, PLLC does not to work directly with insurance companies for the following reasons:

· Insurance companies require us to assign a mental health diagnosis in order to cover the cost of therapy. Many individuals who seek counseling do not necessarily have a mental health diagnosis. We prefer not to be forced to provide one.

· Many insurance companies place restrictions on the types of services they cover. We want to provide services that our clients need, not what their insurance covers.

· Insurance companies could place restrictions on the course and duration of treatment. This could interfere with the number of sessions we believe are needed and interrupt the therapeutic process.

· Limited privacy and confidentiality due to increased number of persons handling claims and personal information.

By choosing to not take insurance, we ensure that you are in control of your care, have increased privacy and confidentiality, and will not carry a mental health diagnosis on your medical record with your insurance company. Furthermore, the course and duration of your treatment will not be determined by a third party but by the goals you set in therapy and the progress we track together.

Out of Network Reimbursement

If you would like to file for insurance reimbursement, we will provide statements for you to submit. These statements will be typed up and emailed to you upon request.

We have found that some insurance companies reimburse as much as

50-100% of out-of-network services.

Please check your coverage for out-of-network mental health services by asking your insurance company the following questions:

· Do I have mental health insurance benefits?

· What is my deductible, and has it been met this year?

· How many sessions per year does my health insurance cover?

· What is the coverage amount per therapy session?

· Do I need a referral from my primary care physician?



Good Faith Estimates

You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost.

Under the law, health care 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.