Frequently Asked Questions
How Long Will I Be in Therapy?
Of course, there are a number of factors that determine this for each client and couple.
Some people are ready to go full on and clear out one “closet” after another. Other people deal with one issue, then go live life for a while before moving on to the next. The length of time one has had the issue tends to increase the length of time it takes to shift beliefs and practice new behaviors.
EMDR can reduce the length of therapy time dramatically.
Typically, couples attend three to five months and individuals attend four to twelve months. People with complex trauma and / or chronic issues typically attend one to three years.
During the assessment phase, I will make a recommendation of goals and make sure that we are on the same page regarding your treatment. It’s important to consider what works for you and honor where you are. There are no required lengths of time. Do what feels right for you.
I offer coaching and counseling
Find out the difference
Do you bill my insurance?
For counseling, I can bill most in and out of network insurances. Make sure I have your information prior to your first appointment.
Coaching is not be covered by insurance. Couples work is not covered by insurance unless your specific plan allows it, and before we start your couples work, we have additional sessions to establish your diagnosis and treatment plan that document the medical necessity of couples sessions.
Sessions longer than 55 minutes are not covered by insurance.
Insurance can provide the financial resources to help you obtain your treatment goals. Please inquire about your mental/behavioral health services your policy covers, if I am an in-network or out of network provider on your plan, and if authorization is required before or during your treatment. Insurance companies will not guarantee payment of mental health services, rather, will make a final decision after the claim is received.
If you have out of network health insurance, payment is due at the time of service. There is usually some reimbursement and I will submit a reimbursement request to your primary insurance, for most companies.
If you have more than one insurance, I will bill your primary insurance. Whether it is your primary or secondary, I do not bill Medicare.
If you have First Choice, Premera, or LifeWise as your behavioral health benefits, I am an in-network provider. This means you will pay for services until your yearly deductible is met, and then you will only pay your coinsurance and/or your copayment, which is due at the time of service. Kaiser plans that use First Choice now require preauthorization.
In or Out of Network:
Your insurance company may require: session content, time and date you attended, goals, interventions, and progress toward your goals, to consider your claim or authorization for future sessions.
If you would like to know what is reported about your medical history: Medical Information Board at 866-692-6901 or POB 105, Essex Station, Boston, MA, 02112.
How do I know if my insurance will reimburse me?
If you have First Choice Health, Premera, or LifeWise, you will receive in network benefits for individual sessions.
It is important for you to inquire about your insurance company's specific requirements prior to your first appointment:
a.) Do you have in or out of network coverage for Deanne Carter, Licensed Mental Health Counselor (LH60095901)?
b.) What is your deductible and how much have you satisfied? When does your plan renew?
c.) What is the number of sessions provided on your plan? Is authorization required prior or at any time during your treatment?
d.) What percent of their allowable amount do they reimburse for an out of network provider, CPT code 90837?
All insurance companies require medical necessity. Feel free to call your insurance company for more information or we can talk about this during your first appointment.
$150 for a 55 minute individual therapy session
$250 for a couples coaching 75 minute session
Contact me for coaching package rates (will not qualify for medical necessity for insurance or HSA reimbursement purposes).
How Do I Get Started?
Note: Only complete forms after we have spoken to make sure there is a time available and you understand your insurance/payment choices.
I am not able to hold appointment times until all of your intake paperwork is complete and I confirm your appointment. If you email them to me, please call or text to confirm I receive them.
For couples work, read through the Couples Counseling Introduction, Disclosure, and Privacy documents. Return your completed intake forms to set up an appointment.
For individual work, read through the Disclosure and Privacy documents, then return your completed intake form to set up an appointment.
to schedule an appointment
Emails and voicemails are typically returned within 8 hours
Monday through Friday.
What will it cost if
I do not have insurance
or I am choosing not to submit
a claim to my insurance?
You have a right to confidential services where the services are defined by your needs.
I offer private pay options to individuals and families who do not have or use insurance/HSA/HRA/FRA.
You may pay by cash, check, debit or credit card. Credit card payments will be processed by