Insurance & Fees
Understanding the Cost of Therapy at LifeBalance Counseling, Coaching & Wellness
In-Person Therapy in Rochester and Hampstead, NH | Online Therapy in New Hampshire, Maine & Massachusetts
Seeking therapy is an investment in your mental health and well-being. At LifeBalance Counseling, Coaching & Wellness, we strive to make the process as transparent and straightforward as possible. We accept many major commercial insurance plans and offer self-pay options for those who prefer not to use insurance at $175 for an intake and $150 for an individual session. Rates for appointments vary based on clinician.
Insurance Plans We Commonly Accept
We Participate With Many Major Commercial Insurance Plans
Our clinicians are in-network with many insurance providers, including:
Anthem Blue Cross Blue Shield
Aetna
Cigna
Optum
United Behavioral Health (UBH)
Harvard Pilgrim
Health Plans Inc. (HPI)
Martins Point
Insurance participation varies by clinician and plan. Our Client Care Team can help determine which therapists are in-network with your specific plan.
***We do accept some local EAP programs. Ask an intake coordinator about these if you have them.
Employee Assistance Programs (EAP)
Some LifeBalance clinicians participate with local Employee Assistance Programs (EAPs).
If your employer offers an EAP benefit, please contact our office and we will help determine whether your services may be covered.
Using Insurance for Therapy
How Insurance Coverage Works
Many insurance plans provide benefits for outpatient mental health counseling.
Coverage may vary based on:
Your specific insurance plan
Deductible requirements
Copay amounts
Coinsurance responsibilities
Referral requirements
Telehealth coverage
Because every plan is different, we encourage clients to verify benefits before their first appointment.
Please note that insurance coverage may change, be canceled, or contain errors that result in sessions not being covered or payments being retracted. In such cases, clients are responsible for the full cost of the appointment. If you have any questions, please contact our intake team. If insurance has not paid for your services within 60 days from the date of our submission to them, you will be asked to cover fees for the appointment out of pocket. Should insurance later make payment, you will be refunded any monies over you copay, coinsurance or deductible due.
Depending on your current health insurance provider or employee benefit plan, services can be covered in full or in part. Contact your provider to verify how your plan compensates you for psychotherapy services.
We recommend asking these questions to your insurance provider to help determine your benefits:
Does my health insurance plan include mental health benefits?
Does my health insurance cover online or telehealth appointments?
Do I have a deductible? If so, what is it, and have I met it yet?
Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
Do I need written approval from my primary care physician for services to be covered?
Payment
We accept cash, checks, health savings/ flexible spending cards and all major credit cards as forms of payment. We require all clients to have a valid credit card on file to cover fees for services, appointment cancellations, no-shows, deductibles, and any costs incurred when insurance denies coverage for appointments. The consent allows us to charge up to $250 to your card on file without prior additional consent.
You have the right to receive a ‘Good Faith Estimate’ explaining how much your medical care will cost. Under the law, healthcare providers must give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including mental health services
Cancellation Policy/Late Arrival
We have a strict Late Cancellation/Arrival policy to ensure that all clients get the best care possible and the full amount of time and attention from their provider they deserve.
If you are unable to attend a session, please cancel at least 48 hours beforehand. Otherwise, you will be charged for the full rate of the session to the card we require on file.
We have a strict arrival policy to ensure clients before and after you get the same care as you do. If you are more than 10 minutes late to an appointment you will be charged a Late Cancel Fee for the missed appointment.
Understanding Insurance Benefits
Insurance benefits are determined by your insurance company and specific plan.
While we make every effort to verify benefits and provide accurate estimates, coverage, deductibles, copays, coinsurance, and eligibility can change at any time. Clients remain responsible for balances not paid by insurance.
Our Client Care Team Can Help
Gather Your Insurance Information
We collect:
Insurance carrier
Member ID
Date of birth
Contact information
Verify Benefits
We review:
Eligibility
Mental health coverage
Copays
Coinsurance
Deductible information
Help Match You With the Right Therapist
Based on:
Insurance
Availability
Location preference
Specialty needs
Telehealth or in-person preference
Self-Pay Options
Therapy Without Using Insurance
Some clients choose not to use insurance for privacy reasons or because they prefer a provider who is not in-network with their plan.
Self-pay may be appropriate if:
You prefer not to use insurance
You have a high deductible plan
You want additional flexibility in provider selection
Your therapist is not in-network with your insurance
Should I Use Insurance or Self-Pay?
Many clients choose to use insurance benefits for therapy, while others prefer self-pay for increased privacy or flexibility.
Depending on your plan, your out-of-pocket costs may include:
Copays
Deductibles
Coinsurance
Self-pay fees
Our Client Care Team can help explain your options and answer questions about insurance coverage before your first appointment.
Self-Pay Rates
(Insert Current Practice Rates Here)
Initial Assessment: $175
Individual Therapy Session: $150
Rates may vary by clinician.
Good Faith Estimates
Your Right to a Good Faith Estimate
Under federal law, clients who are uninsured or choose not to use insurance may request a Good Faith Estimate outlining anticipated treatment costs.
We are happy to provide this information upon request.
What to Expect Financially
Before Your First Appointment
Our team will help you understand:
✓ Insurance coverage
✓ Estimated out-of-pocket costs
✓ Copays and deductibles
✓ Self-pay fees
✓ Payment methods accepted
We believe clients should have clear information about costs before beginning treatment.
Common Insurance Questions
What if I Have a High Deductible Plan?
Many clients with high-deductible plans use insurance while paying out-of-pocket until their deductible is met.
Our team can help explain how your benefits may apply.
Do You Accept Medicare?
At this time, LifeBalance Counseling, Coaching & Wellness is not enrolled as a Medicare provider and is unable to bill Medicare or Medicare Advantage plans for therapy services.
This includes:
Traditional Medicare
Medicare Advantage Plans (Medicare Part C)
Medicare Replacement Plans
If you have Medicare as your primary insurance, we are unable to provide services through Medicare or accept private payment in place of Medicare-covered services.
We understand this may be disappointing, and we encourage individuals seeking Medicare-covered mental health services to contact Medicare directly, their insurance carrier, or their primary care provider for assistance locating participating providers in their area.
If you are unsure whether your insurance plan is considered Medicare, Medicare Advantage, or a commercial insurance plan, our Client Care Team is happy to help you determine your coverage before scheduling an appointment.
Do You Accept Medicaid?
At this time, LifeBalance Counseling, Coaching & Wellness does not participate with Medicaid plans and is unable to bill Medicaid for therapy services.
We understand that finding mental health care can sometimes feel overwhelming, and we are committed to helping individuals connect with appropriate resources whenever possible. If you have Medicaid coverage, our Client Care Team may be able to provide information about local agencies, community mental health centers, or private practices in New Hampshire that accept Medicaid and are currently providing therapy services.
If you are unsure whether your insurance plan is Medicaid, a Medicaid Managed Care Plan, or a commercial insurance plan, our team is happy to help you understand your coverage and determine whether we may be able to assist you.
Our goal is to ensure that everyone who reaches out to us receives guidance toward the support and care they need, even when we are not the right fit for their insurance coverage.
Can I Use My HSA or FSA Card?
In many cases, yes. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) can often be used for therapy services.
Check with your plan administrator for details.
Will My Insurance Cover Online Therapy?
Many insurance plans cover telehealth services. Coverage varies by plan and carrier sometimes your cost for services changes online vs in person and you would need to verify that with your insurance carrier.
Our team can help verify telehealth benefits.
Why Clients Choose LifeBalance
Accessible Care With Personalized Support
Most major commercial insurance plans accepted
Self-pay options available
Two convenient New Hampshire locations
Telehealth throughout NH, ME, and MA
Personalized therapist matching
Experienced team of clinicians
Integrative, whole-person approach to mental health
Frequently Asked Questions
How much does therapy cost in New Hampshire?
The cost of therapy varies based on insurance coverage, provider credentials, and session length. Many clients use insurance benefits to reduce out-of-pocket costs.
Do you accept Anthem Blue Cross Blue Shield?
Yes, many LifeBalance clinicians participate with Anthem BCBS plans.
Do you accept Aetna?
Yes, many of our clinicians are in-network with Aetna.
Do you accept Cigna?
Yes, many of our clinicians participate with Cigna.
How do I find out if my therapist is covered?
Our Client Care Team can verify benefits and help match you with an in-network provider.
Do you offer online therapy?
Yes. We provide telehealth counseling throughout New Hampshire, Maine, and Massachusetts.
What forms of payment do you accept?
We strive to make paying for therapy as convenient and straightforward as possible.
LifeBalance Counseling, Coaching & Wellness accepts:
Most major commercial insurance plans
Visa
Mastercard
Discover
American Express
Health Savings Account (HSA) cards
Flexible Spending Account (FSA) cards
Many clients use their insurance benefits to help reduce out-of-pocket costs, while others choose to use self-pay, HSA, or FSA funds for therapy services.
If you plan to use insurance, our Client Care Team can help verify your benefits and explain any copays, deductibles, or coinsurance amounts that may apply.
If you have questions about payment options, insurance coverage, or using your HSA or FSA funds for counseling services, our team is happy to assist you before your first appointment.
Questions About Insurance or Costs?
Our Client Care Team is happy to help. We know that understanding insurance, deductibles, and therapy costs can feel overwhelming. Whether you're using insurance, self-pay, an HSA, or an FSA, we'll help you understand your options before your first appointment. Call or Text: (603) 332-8000 Email: intake@lifebalancecoachnh.com
