Insurance & Fees

Mental health counseling is typically eligible for a flexible spending account (FSA) and health savings account (HSA). Access to mental health care is critical to achieving a healthy overall wellness. We are here to support you along the way.

Counseling Near Me In Greensboro, North Carolina.

Accepted Insurance Plans:

  • Blue Cross Blue Shield
  • Aetna
  • United Health Care
  • Optum
  • UMR
  • MedCost
  • Carolina Behavioral Health Alliance (CBHA)
  • Cigna/Evernorth

Please know that the above insurance panels are those that some of the counselors in the practice of Santos Counseling PLLC are in-network for. CLICK HERE to read about the insurance each counselor at the practice is in-network.

Don’t see your insurance listed? Learn how we may be able to help with billing your out-of-network benefits. CLICK HERE. Please know that out-of-network benefits only apply to individual counseling.

Common Questions About Insurance And Coverage

Service We Accept Insurance For:

  • Individual Counseling.

Services We Do Not Accept Insurance For:

  • Couples Counseling.
  • Family Counseling.
  • Immigration Evaluations
  • Emotional Support Animal Letters
  • Non-Clinical Services such as completing FMLA paperwork.
  • Specialty Services.

Why Are Certain Services Not Covered By Insurance:

Our goal is to provide you with effective and evidence-based treatment. Each of the services provided includes a comprehensive approach that extends beyond the parameters of insurance. The services listed are those we do not accept insurance for they include the service of specialty services, couples counseling, family counseling, assessments, and evaluations are extensive and include external research and clinical work by the counselor.

Why Couples & Family Counseling Are Not Covered By Insurance:

The key reasons that our office does not accept insurance for family and couples counseling is due to the following core reasons:

  1. Insurance bills the typical individual counseling session at 45 to 50 minutes. Our office works with couples for 90 minutes. This is not an amount of time that is covered by insurance.
  2. Our office provides extensive treatment for couples that includes in-the-office and out-of-office support. This is not a service that is covered by insurance.
  3. When seeking couples counseling, the focus is on the relationship, not the individual’s psychiatric condition.
  4. When using insurance there must be a psychiatric diagnosis. Psychiatric diagnoses are defined as mental health diagnoses such as obsessive-compulsive disorder or bipolar disorder. When seeking couples counseling, it’s vital to understand that couples seek counseling due to areas of concern focused on conflict, communication difficulties, infidelity, marriage preparation, and other areas focused on healing the relationship.

If you are seeking couples counseling, you will be responsible for an out-of-pocket fee of $260.00 at the time of your session.

Your Insurance Coverage Limitations And Responsibility

Please know that to utilize insurance you must agree to have a diagnosis on your file. In addition, it is vital to comprehend not all individuals will have a diagnosis. The basis of the DSM-V is to aid healthcare professionals in diagnosing mental disorders and further supporting individuals in seeking mental health services.

How Our Office Files Out Of Network Insurance:

Out-of-network can apply to your individual counseling sessions.

Should your counselor fall outside your insurance network, you’ll be required to cover the entire session cost upfront. The good news is, that depending on your health insurance plan, your insurance provider might assist in reimbursing a portion of the expenses. With a PPO or POS health insurance plan, you may be eligible for reimbursement for out-of-network services, making therapy more affordable and manageable within your budget.

Feeling uncertain about tapping into your out-of-network benefits? CLICK HERE to learn more.

What You Can Do Insurance Related To Prepare For Your First Session:

Please call your insurance company and let them know that you are planning to receive (specific service) with (specific counselor/provider). Your insurance company can provide you with details on your coverage based on the service you are requesting and the counselor/provider you are working with.


We strongly encourage you to communicate with your insurance company to understand your coverage details as you are responsible for any charges not covered by your insurance.

Fees For Immigration Evaluations and ESA Letters:

The fee for evaluations such as the ESA (Emotional Support Animal letter) is $400.00 and $800.00 for immigration evaluations. The fee may vary depending on the specifications of the service such as if the service needs to be completed in an expedited time.

FMLA/Disability Fee:

$40.00 fee for the completion of FMLA and disability-related forms and documents.

Cancellation Policy:

Late Cancellations and No Shows sessions will be subject to a $100.00 fee if not received at least 24 hours in advance. If you need to cancel please contact your counselor directly or the office at 336-663-6570 (feel free to leave a message).

Forms of Payment:

We accept all major credit cards, HSA/FSA cards, and cash payments.

Insurance Benefits In Counseling

Please know that the fees above may vary depending on the specification of the service being provided. Services such as those that are extended, require additional testing, need to be expedited, etc. may require a different fee from what is seen on this page. Your counselor will discuss with you the service and fees. Please take time to ask any questions that you may have regarding services and fees by contacting your counselor or the counseling practice intake coordinator at [email protected].

Our counselors are in-network with different insurance companies. Please communicate with your counselor and our office to discuss your insurance and expected fees. We will do our best to support you in navigating the insurance process. Please know that not all services are covered by insurance, this is a question that we can support with and in addition, you can contact your insurance provider for further support.

Below are questions that we recommend you ask your insurance provider to help with the process.

  • Does my health insurance policy include mental health benefits?
  • Am I required to have approval or permission from my primary care physician prior to beginning counseling?
  • Do I have a deductible to meet? If so, what is the amount?
  • Is there a limit to the number of counseling sessions per calendar year? If so, what is it?

Ready to Start Counseling?

Counseling In Greensboro, North Carolina.