Love your whole life!

Rates & Insurance

Rates
$115.00 dollars for the first session and $110 after that per 45- 55 minute session. This includes submitting to insurance.

Insurance
I am in in-network provider for:
• Blue Cross Blue Shield of Kansas City
• PHCS / Multiplan
Some TriCare may cover.  Call TriCare to ask.  

Some of these plans have high deductibles so you will be responsible for the full, discounted fee.  If you have met your deductible, you should only need to pay your co-pay or nothing.  Check with your insurance.  

For other insurance, I would be considered an out-of-network provider. My services may be covered in full or in part by your health insurance or employee benefit plan. Please check your coverage by calling the number on the back of your card.

Ask the following questions:
• Do I have mental health benefits?
• What is my deductible and has it been met?
• How many sessions per calendar year does my plan cover?
• How much does my plan cover for an out-of-network provider?
• What is the coverage amount per therapy session?
• Is approval required from my primary care physician?

Normally these plans pay 50% to 80% after the deductible is met.

Insurance Considerations
My desire is to work with clients through the life span with usually 4 to 12 sessions at first and then to be available for clients to return for a few sessions whenever they need or desire. Most employers change insurance providers about every two years. This means that if you only use providers on your plan, you would need to change therapists whenever your policy changes. Therapy is a much more intimate service than some other services you receive from doctors and you can save a lot of time and money in therapy by working with someone who is familiar with you. And remember that if you have a PPO plan, you will have some insurance benefits.

Know that using your insurance mental health benefits has benefits and pitfalls. The benefits are reduced costs per session, often from $15 to $75 per session. Then there are the negative aspects. For United Health Care, you must fill out a Wellness Assessment at the beginning of treatment giving information about your physical and mental health. For all insurance, you must receive a diagnosis. This information goes into a database with your insurance provider. I do not have any control over what is done with your diagnosis by your insurance provider when I file benefits for you. Your insurance company has the right to request all my records for you, including our private session notes.  So weigh the costs and benefits and make an informed decision.

Reduced Fee
Reduced fee services are available on a limited basis. Please discuss your situation with me.

Payment
Cash, check and all major credit cards are accepted for payment. When possible, I prefer checks.

Cancellation Policy
If you do not show up for your scheduled appointment or do not cancel or reschedule with at least 24 hours advance notice, you will be required to pay the $30.00 cancellation fee the first time and $55 the second time. Exceptions are made for weather issues when schools are closing. My policy is more lenient than most therapists.

Office Hours and Scheduling

Office Hours:
Tuesday 10-5
Wednesday 2-8

Occasional other times available.

Schedule a Session
Call 816-523-4440 or email counselor@karenharrison.net.

I like to be able to speak with you on the phone for 10 to 15 minutes (free!) prior to scheduling a session to determine that working together is likely to be a good fit for both of us. I will ask you what you want to address in counseling and get an overview of your issues. Then we will either schedule or I will give you a referral to someone else. Since you have read this far, it is likely that you know what issues I work with and what my approach is so we will be able to work well together.

Questions?
Please call 816-523-4440 or email counselor@karenharrison.net for further information.