Struggling with OCD?

Wellness Counseling offers ERP (Exposure and Response Prevention) therapy — a proven approach for OCD, available virtually across North Carolina.

See How ERP Therapy Works
336-486-7306 info@wellnesscnc.com

Insurance & Fees for Virtual Therapy
in North Carolina

Coverage & Payment Options

What to Know Before Scheduling an Appointment with Celine

Trying to figure out telehealth therapy insurance in NC? Wellness Counseling accepts most BCBS NC plans (excluding Blue Value and Medicaid), Cigna, and select Aetna plans.  Aetna clients should call to verify before scheduling. Sliding-scale options are available through Open Path. Cost should never be the reason you don’t get the support you need. Please know that Open Path has very limited spots available.

Before your first appointment, it is your responsibility to contact your insurance company directly to verify your benefits. Insurance for virtual therapy can be confusing, and the last thing I want is for you to be caught off guard by an unexpected bill.

One thing that surprises a lot of people is that even if I’m in-network with your plan, your insurance for telehealth therapy sessions may not be covered until your deductible is met. If this happens, you’re responsible for the full contracted rate. A quick call to your insurance ahead of time can save you a lot of stress down the road.

Not sure what to ask? See below for a list of questions to ask your insurance company before we meet.

Insurance Plans Accepted

I’m in network with:

    • Blue Cross Blue Shield of North Carolina
      (except Blue Value and Blue Local plans)
    • Cigna
    • Aetna

 

Being in-network means that I bill your sessions directly to your insurance, and you only pay your copay or coinsurance amount. I take care of the insurance paperwork and billing.

If your insurance isn’t listed here, you can still work with me using out-of-network benefits or paying out-of-pocket. Many insurance comapny plans offer out-of-network reimbursement. I’ll give you a superbill that you can submit to your insurance company for reimbursement.

Medicare:

I do not accept Medicare.

If you are paying
out-of-pocket

Good Faith Estimate:

If you’re paying out-of-pocket or using out-of-network benefits, I’m required to give you a Good Faith Estimate of what your sessions will cost before we start. I’ll provide that to you upfront so there are no surprises.

Session Rates:

    • Initial assessment (60 minutes): $185
    • Individual therapy session (53 minutes): $165
    • Crisis calls (15 minutes): $45

I bill crisis calls or consultations outside our regular sessions at $45 per 15 minutes. A 30-minute call would be $90, and so on.

How you can pay

How Payment Works:

I accept:

  • Credit or debit cards
  • HSA/FSA cards

    I store your payment information securely through a HIPAA-compliant system and charge you at the time of each session. If you’re using insurance, you’re only charged your copay or coinsurance amount.

    I’m not able to accept other payment methods right now.

    Sliding-Scale Through Open Path Collective:

    For those without insurance or who need a more affordable rate, I offer sliding-scale sessions through Open Path Collective. Ask me about Open Path options during your free consultation. Please know that there are very limited spots available.

    If you need to cancel or reschedule

    If you need to cancel or reschedule, just let me know at least 24 hours before your appointment, and there’s no charge.

    There is a $105 fee charged to your card on file for a missed appointment with less than 24 hours’ notice, or if you don’t show up for your session. Insurance doesn’t cover missed appointments, so this applies to all of my clients, whether you are using insurance or paying out-of-pocket.

    Emergencies happen, and I understand that. If something genuinely unexpected comes up, we can talk about it.

    That said, therapy only works when it’s consistent. If you miss two or more appointments without canceling in advance, I’ll need to refer you to another therapist so your spot can go to someone ready for regular sessions. The work we do together needs consistency to actually help.

    Virtual Therapy Insurance: Questions to Ask Your Provider

    Navigating insurance can feel overwhelming, but you don’t have to figure it out alone. Before scheduling your first appointment, you are responsible for checking with your insurance ahead of time so that there aren’t any financial surprises that might occur with deductible plans. Sometimes, your  insurance won’t cover sessions until your deductible is met, and you will be responsible for the full contracted rate of payment.

    The number to call is listed on the back of your insurance card under “Behavioral Health” or “Mental Health.” Here are the list of questions to ask previous to our first appointment:

    1. Is Celine Bongaerts, LCMHC, in-network with my plan?
    2. Do I have outpatient mental health benefits? If so, does it cover virtual therapy sessions (by video or phone)?
    3. What is my copayment or coinsurance per session for outpatient mental health therapy?
    4. Is there a deductible I need to meet before my plan begins covering outpatient mental health virtual therapy appointments? If so, what is that amount? How much is left on my deductible?
    5. Do I need a referral or prior authorization for therapy?
    6. Is there a limit on the number of sessions per year?
    7. Does my plan cover virtual/telehealth (video appointments) using codes 90837 and 90791 for outpatient mental health treatment?

      Tip: Write down the date, the representative’s name, and a reference number — it helps if a billing question ever comes up

      Once you’ve checked in with your insurance, reach out, and we’ll get your appointment scheduled. Any remaining questions? I’m happy to help!

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