Insurance and Fees

  • Black and white image of a vintage rotary telephone, an open book, and a coffee mug with letters "I [heart] NY" on a white surface.

    Telephone Consultation - 15 Minutes

    Free

    Optional 15 minute phone call to discuss any questions you may have before scheduling your initial intake appointment.

  • Cozy seating area with a gray sofa, two gray pillows, a round white table, and a corrugated metal wall. A takeaway coffee cup sits on the table.

    Initial Intake Appointment- 53 minutes

    $165

    Initial appointment to discuss what brings you to therapy and reviewing therapy expectations and goals.

  • Follow Up Appointments- 45 to 53 minutes

    $150

    Sessions will be conducted weekly or every 2 weeks, depending on need. Frequency will be discussed during intake appointment.

  • Laptop on a wooden table with an open notebook and pen, a white mug, a glass jar with flowers, and a coffee pot.

    Individual Follow Up Appointments- 30 Minutes

    $85

    Limited availability, please inquire for additional information.

All intake paperwork needs to be completed at least 48 hours in advance of your initial appointment or appointment will need to be cancelled. It is encouraged for you to call your insurance company to verify benefits and coverage to ensure services (especially telehealth) will be covered to avoid any unexpected out of pocket costs.

Please note above prices are self-pay rates. Depending on insurance, out of pocket amount will vary.

Cancellation Policy

Please note there is a $100 fee for all missed appointments or appointments that are cancelled within 24 hours of appointment time. This cannot be billed to insurance and we require a credit card on file. If you cannot make your appointment, please reach out to your provider at least 24 hours in advance.

Forms of Payment

Cozy Cardigan Therapy accepts major credit cards and HSA’s. You can pay conveniently through your Client Portal. Payment for any co-pays, co-insurance, or amount towards deductible is due at the time of service and will be charged to the card on file.

Accepted Insurances

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We are currently in network with certain plans in North Carolina:

  • Aetna

  • Optum/United Health Care through Headway

  • Cigna through Headway

We are in the process of working to get contracted with Blue Cross Blue Shield NC.

I provide a complimentary insurance verification service before appointments. Verification may take up to 48 hours to process. Even with insurance verification, this is not a guarantee that services will be covered.

South Carolina Residents: Please reach out to your insurance provider about telehealth service coverage with Cozy Cardigan Therapy PLLC.

Out of Network Benefits

For other types of insurance, I am out-of-network and provide monthly Superbills, which clients can submit and seek reimbursement depending on their insurance plan. Please check with your insurance provider to verify your covered amount. Many insurance plans provide reimbursement for all or part of out-of-network services.

Do I need to use my insurance?

Some people choose not to use their insurance benefits for mental health therapy for a variety of reasons. One common concern is privacy—when using insurance, a mental health diagnosis is required to justify treatment, which becomes part of the client’s medical record. Some individuals prefer to keep their therapy completely confidential without involving their insurance provider. Additionally, insurance companies may limit coverage, restricting the number of sessions or the types of therapy they will reimburse, which can interfere with receiving the most effective, personalized treatment. Others may find that out-of-pocket therapy offers greater flexibility, allowing them to choose a therapist who aligns with their needs rather than being limited to in-network providers. Lastly, some people prefer the ability to focus on personal growth and life challenges without requiring a formal diagnosis, which is often necessary for insurance reimbursement. Choosing to self-pay ensures full control over the therapeutic process and allows for truly individualized care.

No Surprised Act and Good Faith Estimate

You have the right to receive a “Good Faith Estimate” explaining how much your medical 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 bill for medical items and services.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

  • Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

  • If you receive a bill that is at least $400 more than your Good FaithEstimate, 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 or call 910-446-8155.

“In accordance with the No Suprise Act, you’re entitled to a Good Faith Estimate that outlines the expected costs of services with us.”

https://www.apaservices.org/practice/legal/managed/good-faith-estimate-notice.pdf

Schedule your appointment today!