Fees & Frequently Asked Questions

Plumeria Counseling PLLC is a private pay only counseling service. This means that we are not in-network or credentialed with any insurance providers. However, if your insurance participates in out-of-network benefits we can provide you with a Superbill (only if one of you meet the criteria for a mental health diagnosis) that you would provide to your insurance company for them to reimburse you directly (reimbursement and amount of reimbursement is dependent upon each insurance policy). If you are unsure about your out of network benefits, we encourage you to ask your insurance company the following questions: Do I have out-of-network benefits for couples therapy? What is my out-of-network deductible? What is my reimbursement rate? Here are the main reasons why we remain out-of-network with insurance companies: 1. We can not insure confidentiality: Insurance companies require diagnosis information and other treatment information in order to authorize treatment. Once that is provided by a therapist, the therapist can no longer insure that the information will remain confidential. We allow the relationship and exchange of information to stay between you and your insurance company by remaining out-of-network. 2. Difficulty getting treatment authorized: Sometimes there is a lengthy process involved in getting authorization for treatment. This can cause your treatment to be inconsistent, broken up, and can cause further delays in getting the help you need. 3. Misdiagnosing or over diagnosing in order to get treatment authorized: most insurance companies will not cover treatment unless it is “medically necessary”. This may mean the client has to “pretend” to have a diagnosis in order to receive benefits. 4. Most insurance companies do not cover marriage or family counseling unless it is part of a treatment plan for a more serious mental disorder: If there is a diagnosable partner, this can place the diagnosed partner in a position of feeling like they are the 'problem' in the relationship, because the focus for insurance companies providing coverage is that the symptoms of the diagnosed partner are the focus of treatment, and not on the improvement of the relationship as a whole. 5. Insurance eliminates the ability to tailor length of sessions to the couples needs: Progress for couples doesn't always fit in the traditional 45 minute time frame that insurance traditionally only covers. If sessions are longer, insurance will not cover the session time, which can lead to sessions feeling abruptly cut off. Being out-of-network provides the ability to tailor length of session times to what your relationship needs to make progress. Insurance also does not cover for couples intensives, which are sessions that last for several hours that can help couples do a deeper dive and make more progress in a shorter span of time than what traditional weekly 45 minute sessions might allow for. Being out-of-network allows us the ability to freely tailor emotionally focused couples therapy to the needs of each couple without the stipulations insurance can impose. Insurance stipulations and expectations that they want to see in order for sessions to be covered is often inconsistent with what makes the research-backed therapeutic approach of emotionally focused couples therapy so effective. This is because emotionally focused therapy views the work as a partnership, rather than treating only one person in the couple pair.