SERVICES, FEES, AND CANCELLATION POLICY

  • I believe in being transparent about the financial aspects of therapy so you can make informed decisions about your care. The information below outlines my session fees, insurance options, sliding-scale availability, and policies regarding cancellations and between-session support.

    Therapy is an investment in your well-being, personal growth, and long-term emotional health. My rates reflect the specialized training, experience, individualized care, and ongoing professional development I bring to our work together. My goal is to provide thoughtful, high-quality therapy that supports meaningful and lasting change.

  • 50-Minute Session — $185

    75-Minute Session — $275

  • New Leaf Counseling STL is an out-of-network provider. This means that clients pay the session fee at the time of service and may submit claims to their insurance company for potential reimbursement.

    I provide clients with a monthly superbill, which includes the information needed to submit a claim to your insurance company. Your insurance company determines whether you are eligible for reimbursement and how much they will reimburse. Because every insurance plan is different, I recommend contacting your insurance provider directly before beginning therapy to understand your out- of-network mental health benefits.

    Insurance reimbursement can vary significantly between plans. Some insurance companies reimburse a percentage of the amount you pay, while others base reimbursement on an “allowed amount” determined by the insurance company. For example, if you pay $185 for a session and your insurance company reimburses 80% of the allowed amount, your reimbursement may be less than 80% of the $185 you paid if the insurance company’s allowed amount is lower than my session fee.

    Your deductible, annual session limits, and other plan provisions can also affect how much you receive in reimbursement and when you begin receiving benefits. Because these details vary by insurance plan, I recommend confirming your benefits directly with your insurance company before beginning therapy.

  • When you call the number on the back of your insurance card, you may want to ask:
    • Does my policy cover out-of-network Licensed Clinical Social Workers?

    • Does my policy cover individual psychotherapy with CPT code 90834?

    • What is my out-of-network deductible?

    • What percentage of the allowed amount will be reimbursed after my deductible is met?

    • What is the allowed amount for CPT code 90834 in my area?

    • How many mental health sessions are covered each year?

    • Are there any diagnosis or other restrictions that affect reimbursement?

    • How do I submit a claim for out-of-network services?

    • Is there a deadline for submitting claims?

    • How long does reimbursement typically take?

    • What is the claims department phone number if I need to follow up?

    When speaking with your insurance company, write down the name and extension of the representative you speak with and take notes about the information they provide. Don’t hesitate to ask questions or request clarification if something is unclear.

  • I believe that finding the right therapist is important, and I want to do what I can to make my services accessible to more people. For this reason, I offer a sliding scale for a limited number of appointments.

    Please contact me to discuss whether you may qualify for a reduced rate and whether any sliding-scale openings are currently available.

  • I understand that challenges can arise between scheduled appointments. If you need to check in between sessions, phone calls under 15 minutes are free. Calls longer than 15 minutes are billed at a prorated rate based on your session fee, in 15-minute increments. This also applies to phone check-ins with parents of teen clients.

    If you find that you need frequent or longer check-ins between sessions, we can discuss temporarily increasing the frequency of your appointments to provide more consistent support.

  • I have a 48-hour cancellation policy for scheduled appointments. You will receive an appointment reminder in advance, but I appreciate as much notice as possible when you need to cancel or reschedule. Providing adequate notice allows another client the opportunity to schedule an appointment and gives them time to make arrangements such as childcare or time away from work.

    Cancellations made with less than 48 hours’ notice, as well as missed appointments, are charged the full session fee. Please note that insurance does not reimburse cancellation or no-show fees, so these charges are the client’s responsibility.

  • If you are unable to attend an in-person appointment because of illness, an emergency, or inclement weather, we can often transition the appointment to a phone or video session rather than canceling. The session will be billed at the regular session rate.

    If you need to make this change within the 48-hour cancellation window, please call or text Kathleen directly at 314-499-2994 to arrange a phone or video session.

    If you choose a phone session, please find a quiet, private space where you can focus on yourself and have confidentiality for the duration of our conversation.